Synchrony HOME Credit Card
Financing with Synchrony
One Card So Many Possibilities
With the Synchrony HOME Credit Card, you can take advantage of many card benefits including:
- Acceptance at all Synchrony HOME partners: The Synchrony HOME Credit Card can be used at thousands of Synchrony HOME partner retailers nationwide.
- Select Synchrony HOME partners may offer longer term promotional financing offers ranging from 12 to 60 months on qualifying purchases.1
- Enjoy everyday promotional financing on qualifying purchases anywhere the card is accepted. Get 6 months on purchases of $299 - $1998.99 or 12 months on purchases of $1,999 or more. 2
- No Annual Fee. 2
- Safe & Secure with $0 Fraud Liability.
- Free Access to your credit score.
- Ability to request a credit increase. 4
- 24/7 secure online account access with customizable account alerts.
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1 Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See store for details.
2 No Interest If Paid In Full Within 6 or 12 months on qualifying purchases with your Synchrony HOME Credit Card. 6 months on purchases of $299 – $1,998.99 or 12 months on purchases of $1,999 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance 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. For new accounts as of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
3 For new accounts as of 7/31/2025: Purchase APR is 34.99%. Penalty APR 39.99%. Min Interest Charge $2.
4 Credit score is provided by TransUnion and is available by accessing the online account service site. Scores are available online only to primary cardholders with an open account.