ANNUAL FEE
—
PURCHASE APR
34.99% – 34.99%
Rate based on subject to credit approval and new accounts as of 07/31/2025: purchase apr is 34.99% and existing cardholders should see their credit card agreement terms.
SIGN-UP BONUS
-
No welcome bonus is currently available for new cardholders.
TOP CASH BACK
—
This card carries no cash back or rewards program.
Key Benefits
- Convenient monthly payments
- Cardholder-only offers
- Pay in-store, online or by mail
- Simple application process
- Instant credit decision with no impact to your credit bureau score for pre-qualification
- 6 months special financing on purchases of $200 or more
- 15 months special financing on qualifying purchases of select brands (GE, GE Profile, GE Cafe, Bosch, Whirlpool, Maytag, KitchenAid, Frigidaire, Electrolux)
- Pay only $1 per month for first 3 months with no interest for 24 months on qualifying LG TV purchases
Important Limitations
- Those seeking rewards or cash back on purchases
- Those who cannot pay off promotional balances in full before the promo period ends due to the high purchase APR of 34.99%
- Those making purchases outside of ABC Warehouse
Fees & APR
ANNUAL FEE
—
REGULAR PURCHASE APR
34.99% – 34.99%
FOREIGN TRANSACTION FEE
0%
Card Protection & Benefits
6 Months Special Financing
- ✓No interest if paid in full within 6 months on purchases of $200 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments are required.
- ✓Purchase of $200 or more on one receipt
- ✓Qualifying purchase amount must be on one receipt
- ✓Discounts may result in the qualifying purchase amount not being satisfied
- ✓Interest will be charged from the purchase date if not paid in full within the promo period
15 Months Special Financing on Select Brands
- ✓No interest if paid in full within 15 months on qualifying purchases of select brands (GE, GE Profile, GE Cafe, Bosch, Whirlpool, Maytag, KitchenAid, Frigidaire, Electrolux). Interest will be charged from the purchase date if not paid in full within 15 months. Minimum monthly payments required.
- ✓Qualifying purchase of select brands on one receipt
- ✓Discounts may result in the qualifying purchase amount not being satisfied
- ✓Interest will be charged from the purchase date if not paid in full within the promo period
24 Months No Interest Financing - LG TVs ($1/month for first 3 months)
- ✓$1 per month for the first 3 months then 21 higher equal monthly payments on qualifying purchases of select LG TV brands after discounts. No interest for 24 months.
- ✓Qualifying purchase of select LG TV brands on one receipt
- ✓Discounts may result in the qualifying purchase amount not being satisfied
Best Use Cases
IDEAL FOR
- ABC Warehouse shoppers who want to finance large appliance, TV, furniture, or mattress purchases
- Those seeking extended promotional financing of up to 88 months on select brands
- Customers wanting instant credit decisions with a simple application process
- Those who want cardholder-only exclusive offers
NOT RECOMMENDED FOR
- Those seeking rewards or cash back on purchases
- Those who cannot pay off promotional balances in full before the promo period ends due to the high purchase APR of 34.99%
- Those making purchases outside of ABC Warehouse
Maximize Your Rewards Strategy
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
800-981-3866
Last updated: Mar 11, 2026
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