Abt Credit Card
Basic Information
Program ID: abt-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:30
Last Scraped: 01/15/2026 09:59
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
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% - 2,924.00%
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: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on ABT purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 24 months of inactivity or account closure.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Abt Credit Card (Synchrony) in 2026 requires applicants to be 18 years or older, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have a verifiable U.S. physical address, and meet Synchrony's creditworthiness criteria (typically fair to good credit is sufficient for store cards). The card primarily offers special financing promotions, such as 0% APR for a specified period (e.g., 6, 12, 18, or 24 months) on qualifying purchases above a certain minimum amount (e.g., $299, $499, $999). These offers are usually applied at the point of sale and require timely minimum payments to avoid deferred interest. No traditional sign-up bonus (points/cashback) is typically associated with this card.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A - Promotional financing applies at purchase, not tied to a traditional spend bonus interval.
Shutdown Risk Triggers: Manufactured spending (less common for store cards), high cumulative credit limit across Synchrony accounts, sudden drastic changes in spending patterns, defaulting on promotional financing terms, excessive credit seeking (especially multiple Synchrony cards in a short period), suspicious account activity, and failure to make timely payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy financing options for large purchases; convenient for frequent Abt shoppers; quick application process.
Top Negative Feedback:
High deferred interest APR after promotional period; limited use outside Abt; reported customer service issues with Synchrony; low initial credit limits.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Best Buy Credit Card
- Wells Fargo Reflect Card
- Chase Freedom Unlimited
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0