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Gardner-White Credit Card

1.9WalletHub Rating

WalletHub Rating

1.9

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

User Reviews

3.4

Market Comparison

1.8

fees: 5.0

rewards: 0.0

cost: 3.3

Other Features: 0.0

TermsReviewsFAQContact

WalletHub Rating

1.9/5

Gardner-White Credit Card has a rating of 1.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Gardner-White Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit by Paying in Full Each Month'. To break it down further, Gardner-White Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.3/5 for Cost, and 3.4/5 for User Reviews. Info about the Gardner-White Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.

WalletHub Rating Breakdown

User Reviews

3.4/5

25 reviewsRead and write reviews

Market Comparison

1.8

The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.

Fees

5.0

Rewards

0.0

Cost

3.3

Other Features

0.0

1.8/5

Compared against 1,500+ credit cards

KEY TERMS

Excellent Credit, Good Credit, Fair Credit

Annual Fee

APR on Purchases

0% intro APR for 6 - 72 months, 34.99% APR after that

Balance Transfer

Balance Transfers Not Allowed

Gardner-White Credit Card's Additional Info

Deferred Interest Details: No interest if paid in full within 6 months on qualifying purchases.

Equal Payments Financing: 0% APR for 13 months on purchases of $699 or more.

Equal Payments Financing: 0% APR for 30 months on furniture purchases of at least $699.

Equal Payments Financing: 0% APR for 40 months on furniture purchases of at least $699. 10% down payment required.

Equal Payments Financing: 0% APR for 60 months on furniture and mattress purchases of at least $699. 25% down payment required.

Equal Payments Financing: 0% APR for 60 months on Tempur-Pedic mattresses with no minimum purchase.

Equal Payments Financing: 0% APR for 24, 30, 50, 60 or 72 months on mattress purchases of at least $699, $1,299, $1,499, $2,999 or $3,299 respectively.

Credit up to $15,000.

Exclusive sales events.

Dedicated customer service.

Learn More

at Synchrony Bank's secure site

Gardner-White Credit Card Pros & Cons

No membership fees

Qualify with fair credit

No rewards

High regular APR

Deferred interest

Compare The Gardner-White Credit Card vs. Popular Alternatives


1.9WalletHub Rating WalletHub Rating 1.9 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 3.4 Market Comparison 1.8 fees: 5.0 rewards: 0.0 cost: 3.3 Other Features: 0.0	4.0WalletHub Rating WalletHub Rating 4.0 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.9 Market Comparison 4.0 fees: 2.1 rewards: 4.3 cost: 4.6 Other Features: 0.0	3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0
(25)	(1,618)	(1,067)
annual fee$0	annual fee$0 intro 1st yr, $95 after	annual fee$0
Purchase Intro APR0% for 6 - 72 months	Purchase Intro APR0% for 12 months	Purchase Intro APRNot Offered
transfer intro aprNot Offered	transfer intro apr0% for 12 months\|Transfer Fee: 3% (min $5)	transfer intro aprNot Offered
Regular APR34.99%	Regular APR19.49% - 28.49% (V)	Regular APR18.74% - 26.74% (V)
rewards rateNone	rewards rate 1 - 6% Cash Back	rewards rate 1 - 5% Cash Back
bonus offerNone	bonus offer As High As $300 Cash Back. Find Out Your Offer.	bonus offerNone
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & FeesTerms Apply	Sponsored Apply Now Rates & Fees

Questions & Answers

Can't find what you are looking for? Submit your question about Gardner-White Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

Can I use my Gardner-White Credit Card anywhere?

Chip Lupo, Credit Card Writer

No, you cannot use your Gardner-White Credit Card anywhere you want. The Gardner-White Credit Card is a store card, which means it is not backed by any major credit card network and only works at affiliated locations.

Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Gardner-White Credit Card offers promotional financing. It also has an annual fee of $0.

You can learn more about the best store credit cards and the best co-branded credit cards (which you can use anywhere) here on WalletHub.

Gardner-White Credit Card Reviews

Share your insights and review for the Gardner-White Credit Card

What's Your Rating?

+ 25 WalletHub users submitted a rating without writing a full review

Important Disclosures

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WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.

Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: Wayfair Store Card, Ashley Furniture HomeStore Credit Card, Rooms To Go Credit Card, and Gardner-White Credit Card.

Offer last updated: Apr 28th, 2026 at 11:19 ET

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Gardner-White Credit Card

Gardner-White Credit Card

Credit Score

Annual Fee

APR on Purchases

Balance Transfer

Gardner-White Credit Card's Additional Info

Gardner-White Credit Card Pros & Cons

Compare The Gardner-White Credit Card vs. Popular Alternatives

Questions & Answers

Can I use my Gardner-White Credit Card anywhere?

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Gardner-White Credit Card Reviews

What's Your Rating?

Important Disclosures

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