The American Home Shield Credit Card

Synchrony Pending

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1

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: american-home-shield-credit-card

Issuer: Synchrony

Card Name: The American Home Shield Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 06:58

Last Scraped: Feb 16, 2026 07:00

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

If you are an eligible Servicemember, Synchrony Bank will reduce the interest rate on your credit card account to 0% APR on balances as of the date you became an active duty Servicemember for the period of your active duty service. This benefit applies to all Synchrony Bank credit card accounts.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Offers
Varies by promotion

Cardholders may qualify for special financing promotions on American Home Shield home warranty plans. Specific promotional terms, such as deferred interest or reduced APR periods, are subject to credit approval and vary by offer. Minimum monthly payments are required.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ 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. See store for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The American Home Shield Credit Card, issued by Synchrony, primarily offers special financing options for American Home Shield service plans and related purchases, rather than traditional sign-up bonuses. Eligibility typically requires applicants to be 18 years or older, a U.S. resident, and possess a valid Social Security Number. Approval is subject to a credit check, with Synchrony generally looking for fair to good credit scores, though specific thresholds can vary. Application is usually initiated during the purchase process for AHS services or directly through the AHS website. There are no specific 'bonus rules' in the traditional sense; instead, promotional financing terms (e.g., 0% APR for X months with deferred interest) are offered on qualifying purchases.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for a traditional bonus. For promotional financing, the 'spend interval' refers to the duration of the promotional period (e.g., 6, 12, 18 months) during which a qualifying purchase must be made and paid off to avoid deferred interest.

Shutdown Risk Triggers: Common triggers for Synchrony account shutdown include: high cumulative credit exposure across multiple Synchrony accounts, excessive credit seeking (numerous applications in a short period), missed payments or delinquency on any Synchrony account, suspected fraudulent activity, abuse of promotional financing terms (e.g., repeated large purchases with no intent to pay off before deferred interest), or prolonged account inactivity.

Cliff Effect Rules: Synchrony does not typically have complex 'card family' or 'cliff effect' rules similar to general-purpose card issuers. Each store card is generally evaluated and managed independently. However, overall credit exposure across all Synchrony accounts can influence approval for new cards or credit limit increases.

Special Events: Promotional financing offers are common throughout the year, often tied to specific American Home Shield service plan promotions, seasonal home maintenance periods (e.g., spring cleaning, pre-winter checks), or new product/service launches. These events typically feature extended 0% APR deferred interest periods on qualifying purchases.

Holiday Promos: While not strictly 'holiday' promotions in the retail sense, Synchrony and American Home Shield may offer enhanced financing deals around major U.S. holidays (e.g., Memorial Day, Labor Day, Black Friday, year-end) to encourage new service plan sign-ups or upgrades.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.0 / 5.0

Top Positive:
Provides necessary financing for home repairs and improvements; offers promotional interest rates for qualified purchases.

Top Negative:
High deferred interest if promotional period is not met; poor customer service from Synchrony Bank; high standard APR after promotion; difficult account management.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Home Depot Project Loan (Citi Retail Services)
  • Chase Slate Edge
  • Wells Fargo Reflect Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2024-01-01