The thermo-mechanical degradation of the base–subgrade interface in airport pavements was investigated using a three-dimensional sequentially coupled finite element framework in ABAQUS 2023, in which progressive interfacial debonding was described by a bilinear cohesive-zone model through the damage variable CSDMG. The results show that thermal loading markedly accelerates interface degradation when combined with moving wheel loads. Compared with the wheel-loading-only condition, thermo-mechanical coupling advances the first damage initiation from 0.04993 h to 0.00254 h and shortens the severe-degradation stage from 1.000 h to 0.00927 h. This acceleration is attributed to a thermal stress pre-weakening effect, whereby constrained thermal deformation partially consumes the available cohesive resistance and shifts the interface closer to the softening threshold before external loading is applied. A decomposition of the mixed-mode initiation criterion further indicates that the first damage event is governed by synergistic normal–shear interaction, with the normalized contribution ratio (t_n/t_n⁰)²:(t_s/t_s⁰)² = 0.38:0.62, showing that wheel-induced shear is the dominant trigger while tensile opening induced by thermal curling provides substantial preconditioning assistance. In addition, a representative normalized comparison between simulated average CSDMG and cumulative AE hit count demonstrates a consistent stage evolution from distributed deformation to accelerated localization and residual stabilization. These findings indicate that the base–subgrade interface should be treated as a temperature-sensitive weak layer in airport pavement assessment, particularly near joints and other discontinuity-controlled regions.