ABT Credit Card Review

ABT Credit Card is a store credit card issued by Synchrony Bank. If you're wondering whether ABT Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Competitive APRs. ABT Credit Card has a fixed purchase APR that ranges from 0% up to 29.99%.
• No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

ABT Credit Card Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No balance transfer fee. 0% APR on new purchases during the first 12 months. No annual fee.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not report to credit bureaus. Does not include many credit card rewards.

Is there a ABT Credit Card cash back or rewards program?

No, ABT Credit Card does not offer a rewards program. This card features rewards for purchases in the following categories:

• Retail

What are the relevant APRs for ABT Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. ABT Credit Card has lower than average purchase APRs.

ABT Credit Card has a fixed purchase APR that ranges from 0% up to 29.99%.

What are the fees for ABT Credit Card?

The following fees apply to ABT Credit Card:

ABT Credit Card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	$38

How to apply for ABT Credit Card

• Visit the ABT Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.