Synchrony HOME Credit Card

Synchrony Pending

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7

Benefits

0

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Basic Information
PENDING

Program ID: appliance-factory-outlet-credit-card

Issuer: Synchrony

Card Name: Synchrony HOME Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 14:40

Last Scraped: Feb 16, 2026 14:42

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING
Benefits & Protections (Detailed) 7 Total
PENDING
Shopping 7
Promotional Financing - 0% APR for 6 Months
0% APR for 6 Months

Special financing offer allowing cardholders to pay no interest for 6 months on qualifying purchases made with the Appliance Factory & Mattress Kingdom Credit Card. Subject to credit approval and minimum monthly payments. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.

Promotional Financing - 0% APR for 12 Months
0% APR for 12 Months

Special financing offer allowing cardholders to pay no interest for 12 months on qualifying purchases made with the Appliance Factory & Mattress Kingdom Credit Card. Subject to credit approval and minimum monthly payments. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.

Promotional Financing - 0% APR for 18 Months
0% APR for 18 Months

Special financing offer allowing cardholders to pay no interest for 18 months on qualifying purchases made with the Appliance Factory & Mattress Kingdom Credit Card. Subject to credit approval and minimum monthly payments. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.

Promotional Financing - 0% APR for 24 Months
0% APR for 24 Months

Special financing offer allowing cardholders to pay no interest for 24 months on qualifying purchases made with the Appliance Factory & Mattress Kingdom Credit Card. Subject to credit approval and minimum monthly payments. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.

Promotional Financing - 0% APR for 36 Months
0% APR for 36 Months

Special financing offer allowing cardholders to pay no interest for 36 months on qualifying purchases made with the Appliance Factory & Mattress Kingdom Credit Card. Subject to credit approval and minimum monthly payments. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.

Promotional Financing - 0% APR for 48 Months
0% APR for 48 Months

Special financing offer allowing cardholders to pay no interest for 48 months on qualifying purchases made with the Appliance Factory & Mattress Kingdom Credit Card. Subject to credit approval and minimum monthly payments. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.

Promotional Financing - 0% APR for 60 Months
0% APR for 60 Months

Special financing offer allowing cardholders to pay no interest for 60 months on qualifying purchases made with the Appliance Factory & Mattress Kingdom Credit Card. Subject to credit approval and minimum monthly payments. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers

Promo Financing: Special Financing

Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Bonus Rule: New cardholders for 2026 are expected to qualify for special deferred interest financing offers on qualifying purchases made exclusively at Appliance Factory Outlet. Typical offers include 0% APR for promotional periods such as 6, 12, or 24 months on purchases exceeding a specified minimum (e.g., $299, $499, $999). It is crucial that the full promotional balance is paid by the end of the promotional period; otherwise, all deferred interest from the original purchase date will be retroactively applied. Application Rules/Eligibility: Applicants must be at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a verifiable source of income. Approval is contingent upon creditworthiness, with Synchrony generally targeting applicants with fair to good credit scores for their store cards. However, approvals may occur with lower scores based on the applicant's overall credit profile and existing relationship with Synchrony. A hard inquiry will be performed on the applicant's credit report.

Max Cards Per Issuer: 7

Min Spend Interval: 30 days from account opening for initial promotional offers.

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), excessive cumulative credit limit across all Synchrony accounts, high application velocity (numerous applications in a short period), missed or late payments, suspicious account activity, abuse of promotional financing terms, and high credit utilization across all Synchrony products.

Cliff Effect Rules: Synchrony assesses a customer's overall credit profile across all their issued cards. While there isn't a strict 'card family' bonus rule like with travel cards, having multiple Synchrony accounts, especially with high balances or utilization, can impact approval odds or credit limits for new applications. Conversely, a positive payment history across existing Synchrony accounts may facilitate easier approval or higher limits for new store cards.

Special Events: Major appliance sales events (e.g., Memorial Day, Labor Day, Black Friday, President's Day), store anniversary sales, and seasonal clearance events. Expect exclusive cardholder financing offers during these times.

Holiday Promos: New Year's, President's Day, Memorial Day, Father's Day, 4th of July, Labor Day, Columbus Day, Veteran's Day, Black Friday/Cyber Monday week, and Christmas/Year-End sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy access to financing for large appliance purchases; 0% interest promotions are very helpful for budgeting.

Top Negative:
Beware of deferred interest if balance isn't paid in full; High standard APR after promotional period; Customer service can be inconsistent.

Approval Experience: 72.5 / 100

Recommended Alternatives
  • Discover it Cash Back
  • Chase Freedom Unlimited
  • Lowe's Advantage Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0