At Home Credit Card

Synchrony Pending

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4

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: at-home-credit-card

Issuer: Synchrony

Card Name: At Home Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:32

Last Scraped: Feb 07, 2026 05:06

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
At Home Purchases 5x Cash Back Purchases made at At Home stores or athome.com with your At Home Insider Perks Credit Card or At Home Insider Perks Credit Card Visa. No Cap
All Other Purchases 1x Cash Back Purchases made everywhere else Visa is accepted with your At Home Insider Perks Credit Card Visa. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 5x

Categories: Purchases at At Home stores and athome.com

Quarterly Rotating: No

Expiration Policy: Rewards expire 24 months after they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

There is no annual fee associated with the At Home Credit Card.

Shopping 3
First Purchase Discount
10% off first purchase

Cardholders receive a 10% discount on their first purchase made with the At Home Credit Card.

Special Financing Offers
Varies by offer

Cardholders may be eligible for special financing offers on qualifying purchases made with the At Home Credit Card. Specific offers and terms will vary.

Exclusive Cardholder Offers
Varies by offer

Cardholders receive access to exclusive discounts and promotional offers available only to At Home Credit Card members.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
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 purchase balance is not paid in full within 6 or 12 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Fair
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The At Home Credit Card, issued by Synchrony, is a store-specific credit card primarily for purchases at At Home stores. For 2026, eligibility requirements are projected to remain standard: applicants must be at least 18 years old, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), be a U.S. resident, and have a verifiable income. A credit history ranging from fair to good is generally required for approval. The primary 'bonus' for new cardholders is typically an immediate discount (e.g., 10-15% off) on their first At Home purchase upon account opening and approval. Ongoing benefits often include special financing offers on qualifying At Home purchases, rather than traditional points or cash back.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional bonus spend; initial discount typically applied to the first purchase. Special financing offers have per-transaction minimums.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive credit seeking (numerous applications in a short period), abuse of promotional offers (e.g., frequent returns after discount application), extended periods of account inactivity, and defaults or late payments on any Synchrony-issued credit products.

Cliff Effect Rules: Synchrony generally does not have 'card family' restrictions similar to other major issuers. However, a practical 'cliff effect' exists where Synchrony may deny new applications if an individual already holds a high number of Synchrony-issued store cards or has reached a perceived maximum cumulative credit exposure across their Synchrony accounts. This is assessed on a case-by-case basis.

Special Events: Expect frequent cardholder-exclusive discounts, special financing promotions (e.g., 0% APR for 6, 12, or 18 months on qualifying purchases), and early access to sales events, particularly around major retail holidays and seasonal product launches at At Home stores.

Holiday Promos: Key promotional periods include Black Friday/Cyber Monday, Christmas/New Year, Memorial Day, 4th of July, Labor Day, and Back-to-School seasons. At Home also frequently runs promotions tied to seasonal home decor changes (e.g., Spring Refresh, Fall Decor, Holiday Decor).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Good rewards for frequent At Home shoppers; useful for financing large purchases; easy application process for some.

Top Negative:
High APR; poor customer service from Synchrony; limited use outside At Home stores; frequent credit limit reductions.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One SavorOne Cash Rewards Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Target RedCard

Card Value Score: 45.0 / 100

Est. Annual Rewards: $40.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0