ABC Warehouse Credit Card
Basic Information
Program ID: abc-warehouse-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:28
Last Scraped: 01/15/2026 09:57
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75.00
Spending Requirement: $750.00
Time Period: 90 days
Bonus Timing: Statement credit will be applied to your account within 1-2 billing cycles after the qualifying purchases have been made and verified.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at abc-warehouse
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing. Reward certificates issued from points may have an expiration date (e.g., 90 days).
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number or ITIN. A fair to good credit score (typically 640+) is generally required, though approval can vary based on overall credit profile and existing Synchrony relationships. Applicants should not have too many recent Synchrony account openings (e.g., more than 2-3 in the last 6-12 months). Bonus Rule: New cardholders receive a 15% discount on their first ABC Warehouse purchase made within 30 days of account opening (up to a maximum discount of $100). Additionally, spend $500 within the first 90 days to receive a $50 statement credit.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive credit seeking behavior (too many applications in a short period, especially with Synchrony), inactivity on the card for extended periods (e.g., 12+ months without a purchase), late payments or defaults on any Synchrony-issued account, suspicious spending patterns inconsistent with typical retail purchases, high utilization on the specific card or across Synchrony accounts.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Access to special financing offers on large purchases, exclusive discounts for cardholders, and a straightforward application process.
Top Negative Feedback:
High interest rates if promotional financing terms are not met, limited utility outside of ABC Warehouse, and occasional reports of challenging customer service experiences.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Best Buy Credit Card
- Amazon Store Card
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0