Win a Trip to The Bahamas when you apply for or use your Gardner White credit card. Details below.

Official Sweepstakes Rules

No Purchase Necessary

  1. SWEEPSTAKES PERIOD: The Gardner White Treat Yourself Sweepstakes (“Sweepstakes”) begins 12:00 a.m. Eastern Time (“ET”) on August 18, 2022 and ends 11:59 p.m. ET on October 31, 2022 (the “Sweepstakes Period”).

  2. ELIGIBILITY: The Sweepstakes is open to legal U.S. residents, residing in Michigan who are at least 18 years of age or older as of date of entry (“Entrant”), except employees and their immediate family members (spouse, parent, child, sibling and/or the household members of each) of Synchrony Bank (“Sponsor”), Gardner White Furniture Company, Inc. (“Gardner White Furniture”), Don Jagoda Associates, Inc. (“Administrator”), and each of their affiliates, subsidiaries, advertising and promotion agencies (collectively, “Sweepstakes Entities”). This Sweepstakes is void wherever prohibited, and subject to all federal, state and local laws.

  3. HOW TO ENTER: There are three (3) ways to enter the Sweepstakes, as follows:
    1. TO ENTER THE SWEEPSTAKES as a Non-Cardholder: During the Sweepstakes Period, visit, click on ”Complete Application” and complete and submit all required fields on the Gardner White Furniture credit card (“Credit Card”) online application form (“Application”) to earn five (5) entries into the applicable Entry Periods’ Random Drawing(s) (as defined in the table below).
    2. TO ENTER THE SWEEPSTAKES as a Cardholder: Eligible Cardholders, defined as primary cardholders of a Gardner White credit card as of August 17, 2022 with an account in good standing as of date of entry and prize award date, can earn five (5) entries into the applicable Entry Periods’ Random Drawing(s) (as defined in the table below) for any purchase made using a Gardner White credit card during the Sweepstakes Period.
    3. ALTERNATE METHOD OF ENTRY: To receive five (5) entries into the applicable Entry Period’s Random Drawing without applying for, or making a qualified purchase on a Gardner White credit card, hand print your full name, complete mailing address, telephone number, email address and date of birth on a plain 3”x 5” piece of paper and mail in a hand-addressed, stamped envelope to: Gardner White Treat Yourself Sweepstakes, P.O. Box 7703, Melville, NY 11775-7703. Mail-in entries must be mailed separately [one (1) mail-in entry per envelope] and be postmarked/received by the dates specified in the below table for each of the applicable Entry Periods’ Random Drawing(s) to be entered into that/those applicable random drawing(s).

    *Limit: Entrants are limited to ten (10) Entries throughout the Sweepstakes Period, regardless of method of entry or combination thereof [either by applying for a Gardner White credit card, making a purchase, or sending in mail-in entries], or any combination. Entries from Entry Period 1 will roll over to Entry Period 2 as part of the final random drawing, which takes place on or about 11/16/2022.

  4. RANDOM DRAWING AND ODDS OF WINNING: Potential winners will be selected in two (2) separate random drawings from among all eligible entries received by the end of each applicable Entry Period on or about the dates specified in the table below. Drawings will be conducted by Administrator, an independent judging organization whose decisions are final on all matters relating to this Sweepstakes. Approximate odds of winning are dependent upon the number of eligible entries received by the end of each Entry Period.
    Drawing Period 1 8/18/22 9/14/22 9/14/22 9/21/22 9/30/22
    Drawing Period 2 9/15/22 10/31/22 10/31/22 11/7/22 11/16/22

    • Grand Prize (2 total – 1 per Entry Period): A 5-day/4-night trip to Atlantis, Paradise Island, Bahamas for winner and up to three (3) travel companions. Trip includes round trip economy air transportation to/from the major airport nearest the winner’s home to Nassau, Bahamas; round trip ground transfers from Nassau to Paradise Island; hotel accommodations for four (4) nights (quad or double occupancy, dependent upon number of guests); and a $500 room credit. The ARV of each Grand Prize is $8,500.
    • First Prize (10 total - 5 winners per Entry Period): First Prize winners will win their purchase, up to $5,000. The ARV of each First Prize is dependent on each winner’s purchase, but no more than $5,000 will be awarded for each First Prize. In the event a winner is selected from either entry methods 1 (Non-Cardholder) or 3 (Mail-in), a randomly selected purchase entry from method 2 (Cardholder) will be selected to determine the prize amount awarded to the winner, selected from entry methods 1 or 3, if applicable.
    • Second Prizes (10 total - 5 winners per Entry Period): A $500 Gardner White Furniture shopping spree awarded as a gift certificate, valid up to 1-year from date of issue.
    • Third Prize (10 total - 5 winners per Entry Period): A Sponsor-specified hotel voucher, valid for a 4-night getaway. ARV of each Third Prize is $300. Vouchers must be used within a 12-month redemption period, 35-day advance notice period for all hotel destinations and are subject to restrictions, blackout dates include weeks of Thanksgiving, Christmas & New Years. Winner can purchase additional amenities such as extra nights, rental cars, room upgrades, etc. if needed. There is no transportation to/from winner’s home/hotel included with the Third Prize.
    • Fourth Prize (20 total - 10 winners per Entry Period): A $100 Gardner White Furniture shopping spree awarded as a gift certificate, valid up to 1-year from date of issue.

    ARV per drawing is $38,500, total ARV of all prizes is up to $77,000. Limit one (1) prize per person/household. Prizes are non-transferable and no substitutions are permitted, except by Sponsor, who reserves the right, in its sole discretion, to substitute a prize (or portion of prize) of equal or greater value, if prize, or portion of prize, becomes unavailable. No cash redemption of prizes, except at Sponsor’s sole discretion. All federal, state and local taxes are the sole responsibility of each winner. Each winner is responsible for any and all incremental income taxes resulting from the total value of the applicable prize. Grand Prize trips must be taken within one calendar year of prize award date, or prize will be forfeited. Dates are subject to change and certain additional restrictions may apply. Airline tickets are for travel from a major airport in Michigan. Actual retail value of each Grand Prize is dependent upon airport of departure. Airline carrier's regulations and conditions apply. The Grand Prize trips may not be combined with any other offer and travel may not qualify for frequent flyer miles. The Grand Prize winners and their respective travel companions must travel together on the same itinerary. All other expenses and costs, not expressly listed above, including, but not limited to, airline baggage fees, taxes, tips, entertainment, transfers, and transportation to airport to and from the winner’s home residence are the winner’s sole responsibility. Grand Prize winners will be required to provide a valid major credit card or some other acceptable form of payment, as determined in the hotel’s sole discretion upon hotel check-in and all in-room charges, telephone calls, meals, beverages, hotel upgrades, amenities, personal incidentals and any other expenses charged to the winner’s hotel room will be charged to that major valid credit card. Sponsor is not responsible for any fees or additional charges resulting from a winner’s or travel companion’s change to itinerary or accommodations. Accommodations are subject to availability. No refunds or credit for changes are allowed. The Grand Prize winners and their respective travel companions must possess valid travel documents (i.e., valid government issued photo ID) in order to travel. A 1099 tax statement will be filed with the IRS for the actual total value of any prize valued over $600. Winners of prizes valued over $600 will receive a 1099 form in the mail, to be processed in the year in which he or she receives the prize. Sponsor reserves the right to conduct a background check on the Grand Prize winners and their travel companions and reserves the right in its sole discretion to disqualify the Grand Prize winner based on the results of such background check(s), if Sponsor determines in its sole discretion that awarding a prize to such Grand Prize winner or his or her travel companion might reflect negatively on Sponsor. Factors that would result in disqualification as a Grand Prize winner or his or her travel companion include, without limitation, any Grand Prize winner or travel companion having been convicted of a felony or misdemeanor, being delinquent on a government ordered payment, such as child support, spousal support, alimony, tax payments, etc. In the event any Grand Prize winner or their travel companion engages in behavior that (as determined by Sponsor in Sponsor’s sole discretion) is inappropriate or threatening, illegal or that is intended to annoy, abuse, threaten or harass any other person, Sponsor reserves the right to terminate the trip early, in whole or in part, and send the Grand Prize winner and/or their respective travel companion home with no further compensation to the Grand Prize winner. All travelers must also pass any required medical testing and comply with any additional requirements, at any time, that may be required or recommended by any government agency, airline, or Sponsor, including without limitation, passing one or more COVID-19 antigen and screening tests, and testing negative for COVID-19 or having been vaccinated against COVID-19. Travelers may also be required to execute any assumption of risk and/or other documents relating to COVID-19 or he/she may not be permitted to travel. Atlantis is not a participant or sponsor of this promotion.

  6. WINNER NOTIFICATION: The Sponsor or Administrator will make up to three (3) attempts to contact the potential winners via phone/email. Messages/voicemails will not be left. If Sponsor or Administrator is unable to reach a potential winner within this time frame, he/she will be disqualified and an alternate will be selected. Only three (3) alternate potential winners for each prize level will be notified, after which the applicable prize will remain un-awarded. The potential Grand and First Prize winners will be required to execute and return via email or email link, a Declaration of Eligibility and Release of Liability and Publicity Release (where permitted by law) within five (5) days of notification attempt or the prize may be forfeited and an alternate may be selected, time permitting. The travel companions of each Grand Prize winner must be 18 years of age or older at time of travel or the Grand Prize winner must be the parent or legal guardian of any travel companion. The travel companions of each Grand Prize winner (or the winner on behalf of travel companion who is a minor and his/child/charge) will be required to execute a Release of Liability and Publicity Release and return it via email/email link within three (3) days of notification prior to travel. The potential Second, Third and Fourth Prize winners will be required to provide verification information via email within three (3) days of notification. Acceptance of prize constitutes permission to use winners’ and travel companion’s names, photographs, and likenesses for publicity purposes without further compensation except where prohibited by law. Return of any notification as undeliverable may result in disqualification and alternate selection, time permitting.

  7. GENERAL RULES: If applicable, winners’ Gardner White Furniture credit card must be in good standing as of prize award date and prize fulfillment date in accordance with the terms described in the Gardner White Furniture credit card agreement in order to receive a prize. In the instance of authorized users, the winner is the primary cardholder. Acceptance of prize constitutes permission to use winners’ names, photographs, and likenesses for publicity purposes without further compensation except where prohibited by law. Under no circumstances should Entrants give their Credit Card account number, or any information regarding their account, over the phone or mail in connection with this Sweepstakes. Entrants agree to be bound by these Official Rules and the decisions of the judges. EACH ENTRANT HEREBY AGREES TO RELEASE, INDEMNIFY AND HOLD HARMLESS SPONSOR, GARDNER WHITEFURNITURE, AND THEIR SUBSIDIARIES, AFFILIATES, ADVERTISING AND PROMOTION AGENCIES, AND EACH ENTITY’S OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS, WILL HAVE NO LIABILITY WHATSOEVER FOR, AND WILL BE HELD HARMLESS BY WINNERS AND ENTRANTS FOR ANY LIABILITY FOR ANY INJURY, LOSS OR DAMAGES OF ANY KIND TO PERSONS, INCLUDING DEATH, AND PROPERTY, DUE IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, FROM THE ACCEPTANCE, POSSESSION, USE OR MISUSE OF A PRIZE OR PARTICIPATION IN THIS SWEEPSTAKES OR PARTICIPATION IN ANY SWEEPSTAKES OR PRIZE RELATED ACTIVITY. All entries become the sole property of Sponsor and none will be returned. If for any reason the Sweepstakes is not capable of running as planned, including due to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failure, human error or any other causes beyond the control of Sponsor that corrupt or affect the administration, security, fairness, integrity, or proper conduct of the Sweepstakes, Sponsor reserves the right in its sole discretion, to disqualify any individual who tampers with the entry process, and to cancel, terminate, modify or suspend the transaction portion(s) of the Sweepstakes and award the prizes in a random drawing from among all eligible transaction entries received prior to cancellation or termination and all eligible mailed entries received. Sponsor assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries. The Sponsor is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers, or providers, computer equipment, software, failure of any entry to be received by Sponsor on account of technical problems, or otherwise, or resulting from participation in the Sweepstakes. Sponsor is not responsible for typographical or other error in printing of the offer or administration of the Sweepstakes or announcement of the prizes. If there are any discrepancies between printed or digital materials and the Official Rules, the Official Rules will govern and control. CAUTION: ANY ATTEMPT BY AN ENTRANT TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.

  8. JURISDICTION: The Sweepstakes shall be governed by and interpreted in accordance with the laws of the State of New York applicable to promotions fully carried out within New York. Except where prohibited by law, any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Sweepstakes but in no event attorneys' and/or experts’ fees; and winners hereby waive all rights to claim punitive, incidental and consequential damages and any other damages (including attorneys’ fees), other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. The winners acknowledge that no other party nor any agent or attorney of any other party has made any promise, representation or warranty whatsoever, express or implied, not contained herein concerning the subject matter hereof, to induce the winners to execute any document and winners acknowledge that they have not executed any document in reliance on any such promise, representation or warranty not contained herein. Any waiver by the Sponsor and its affiliates of any term of any document in a particular instance shall not be a waiver of such term for the future. Winners agree that the invalidity or enforceability of any part of any document shall in no way affect the validity or enforceability of any of the remainder of that document.

  9. PRIVACY: Any personally identifiable information collected during Entrant’s participation in this Sweepstakes will be collected by Sponsor and used by it and its agents for purposes of the proper administration and fulfillment of the Sweepstakes as described in these Official Rules, for any additional opt-in information Entrant agreed to upon participation, and in accordance with Sponsor's Privacy Policy, posted at and as allowed by law.

  10. WINNERS LIST: For the names of the winners, available after December 15, 2022, for a period of at least 30 days, send an email to: with WINNERS & 01-2622-59 as the subject line. Winners List will be sent after all prizes have been awarded.

  11. SPONSOR AND ADMINISTRATOR: This Sweepstakes is sponsored by Synchrony Bank, Synchrony Bank, 170 West Election Road, Suite 125, Draper, UT 84020. The Administrator is Don Jagoda Associates, Inc., 100 Marcus Dr., Melville, NY.

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