No interest will be charged on promotional purchases of $699 or more made with your Gardner White credit card. Equal monthly payments required.
No interest if paid in full within the 6, 7 or 13 month Promotional Period on purchases made with your Gardner White credit card. Minimum purchase of $699 or more required for 7 & 13 month promotional offers. Interest will be charged to your account from the purchase date if the amount financed is not paid in full within the promotional period. Minimum monthly payments required.
No interest will be charged on the Amount Financed and equal monthly payments are required until paid in full. These payments equal the Amount Financed divided by the number of months in the Promo Period. These Payments are rounded up to the next whole dollar and may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the Promo Period the required monthly payments may be reduced due to the prior months’ rounding. Any estimated required monthly payments shown in connection with this promotional offer should allow you to pay off the Amount Financed within the Promo Period if:
- You make your payments by the due date each month, and
- This is the only balance on your account during the Promo Period.
If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. Regular account terms apply to non-promo purchases. New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Any estimated monthly payment shown in connection with this promotional offer:
- May be greater than the required minimum monthly payment that will be charged on your billing statement;
- Equals the greater of (a) the Amount Financed divided by the number of months in the Promo Period rounded to the next highest whole dollar, in which case it is only a suggested payment, or (b) $30, the currently required minimum monthly payment.
- Would pay off the Amount Financed within the Promo Period, but only if there are no other balances on your account at any time during the Promo Period and you make your payments on time.
In such event, your total payments will equal the Amount Financed.
For this promotion, no interest will be charged on the amount financed if you pay it off, in full, within the promo period. If you do not, interest will be charged on the amount financed from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.