: These are "deferred interest" plans. If you do not pay the balance in full by the end of the term, interest will be charged to your account from the original purchase date at the standard APR (currently 30.74% variable ).

Most financing offers depend on the total purchase amount and the product category:

: 12-month financing on purchases totaling $299 and up .

: 24-month financing on purchases totaling $649 and up . Key Considerations

: For a limited time (e.g., through May 3, 2026), new cardholders can earn 15% back in rewards on their first day of purchases instead of the standard 5%, or choose financing.