Abt Electronics Credit Card

Card Details
Rewards	6 months special financing on purchases of $150 or more and 12 months special financing on purchases of $300 or more
Signup Bonus	A $100 statement credit when they open the Abt card and make a qualifying single receipt purchase of $1,999 or more within a defined promotional period.
Annual Fee	None
Cash Advance APR	N/A
Cash Advance Fee	N/A
Late Payment Fee	$29 if you’ve made all minimum payments on time for the previous six billing cycles $40 if you’ve missed at least one minimum payment in the last six billing cycles
Purchases APR	34.99% (APR is subject to change)
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The Abt Electronics Credit Card stands out primarily as a store-card with strong promotional financing—think “no interest if paid in full within 6 or 12 months” on qualifying purchases at Abt Electronics. Most users say they value the flexible financing and ability to spread out big appliance or electronics buys. Many reviewers mentioned that the card is especially helpful when you’re already shopping at Abt and want to avoid paying up front.

On the flip side, users often complain about the high regular purchase APR—around 34.99% as of recent terms—and that if you don’t pay off the promo purchase within the allotted time, interest accrues from the purchase date. Some also point out that the card lacks broader rewards or perks beyond the store financing, and it’s less useful outside of the Abt environment.

Personally, I think this card is a good fit only if you’re planning a significant purchase at Abt and intend to pay it off during the promotional period. If that’s your situation, it offers real value. But if you’re looking for a general-use rewards credit card, or expect to carry a balance, you might find better value elsewhere.