The Gander Mountain Credit Card is a store card issued by Synchrony Bank
The Gander Mountain credit card is a closed-loop store card, meaning you can use it only at Gander Mountain and its sister brand, Overton's. It is issued and managed by Synchrony Bank, which handles the account, billing, and customer service. The card is designed for frequent shoppers at these retailers and offers rewards on purchases made there.
Gander Mountain filed for bankruptcy and closed its physical stores in 2017, but the brand continued operating online. If you hold an existing Gander Mountain card, your account remains active for online purchases at gandermountain.com and overton.com. New cardholders cannot open a Gander Mountain card through traditional channels because the company no longer actively markets or issues new cards to the general public.
Key Takeaways
- The Gander Mountain card works only at Gander Mountain and Overton's online stores, not at other retailers.
- Synchrony Bank manages the card, handles billing, and processes payments through their customer portal.
- New cards are not currently being issued to new customers, though existing cardholders can continue to use their accounts.
- The card typically offers promotional financing periods and rewards on purchases, though the specific terms depend on your account and current promotions.
- You can manage your account, make payments, and view your balance through Synchrony's online portal or by calling customer service.
How to Access Your Gander Mountain Card Account
If you already have a Gander Mountain card, you manage it through Synchrony Bank's customer portal. Visit mysynchrony.com and log in with your username and password. If you do not have an online account set up, you can register on that same site using your card number and other identifying information.
Once logged in, you can view your current balance, recent transactions, due date, and minimum payment. You can also set up automatic payments, update your contact information, and read statements. If you prefer to speak with someone, call the customer service number on the back of your card — Synchrony's representatives can answer questions about your account, discuss promotional offers, and help with payments or disputes.
Making Payments on Your Gander Mountain Card
You have several ways to pay your Gander Mountain card balance. The easiest method is through the Synchrony portal at mysynchrony.com, where you can make a one-time payment or set up automatic monthly payments. You can also pay by phone by calling the number on your statement or card.
If you prefer to mail a check, include your account number and send it to the address listed on your billing statement. Payments made online or by phone typically post within one business day. The card requires a minimum payment each month by the due date shown on your statement. Paying more than the minimum reduces your interest charges and helps you pay off the balance faster.
Understanding Promotional Financing Offers
Gander Mountain cards often come with promotional financing periods — typically interest-free terms on purchases or on existing balances transferred to the card. These offers vary by account and change over time. When you receive a promotional offer, it will be detailed in a separate notice or email from Synchrony.
If you take advantage of a promotional period, make note of the end date. If you do not pay off the promotional balance in full before that date, interest will be charged on the remaining balance at the card's regular rate, which can be substantial. Synchrony will send you reminders as the promotional period approaches, but it is your responsibility to track the important date and plan your payments accordingly.
Where You Can Use the Gander Mountain Card
The Gander Mountain card works only at gandermountain.com and overton.com. You cannot use it at other retailers, gas stations, restaurants, or online merchants outside these two sites. This makes it a specialty card best suited for people who shop regularly at Gander Mountain or Overton's.
Gander Mountain sells outdoor gear, hunting and fishing equipment, camping supplies, and apparel. Overton's specializes in boating and marine equipment. If your shopping needs fall outside these categories, you would need a different card or payment method for other purchases.
What to Do If You Cannot Access Your Account
If you forget your password or cannot log into mysynchrony.com, use the "Forgot Password" link on the login page to reset it. Synchrony will send you a reset link via email. If you do not receive the email, check your spam folder or try again with a different email address associated with your account.
If you have trouble logging in after resetting your password, or if you believe your account has been compromised, call Synchrony customer service at the number on your card or statement. A representative can verify your identity and help you regain access. They can also place a temporary hold on your account if you suspect fraud.
Frequently Asked Questions
Can I still open a new Gander Mountain credit card?
No. Gander Mountain no longer issues new cards to new customers. If you want a card for shopping at Gander Mountain or Overton's, you would need to contact Synchrony directly to ask about any alternative options, though none are currently marketed to the public.
What happens if I do not pay my balance by the due date?
Late payments are reported to credit bureaus and can damage your credit score. Synchrony will also charge a late fee and explore interest to your balance. If you miss a payment, contact Synchrony as soon as possible to bring your account current and discuss your options.
Can I use my Gander Mountain card at physical Gander Mountain stores?
No. Gander Mountain's physical retail locations closed in 2017. The card works only for online purchases at gandermountain.com and overton.com.
How do I dispute a charge on my Gander Mountain card?
Log into your Synchrony account and look for the transaction in question. Most accounts have a "Dispute a Transaction" option in the portal. You can also call Synchrony customer service to report the dispute by phone. Provide details about the charge and explain why you believe it is incorrect.
What is the interest rate on the Gander Mountain card?
The interest rate varies based on your creditworthiness and current promotions. Check your card agreement or log into your Synchrony account to see your specific rate. Rates can change, so review your statements regularly for updates.