At Home Mastercard Credit Card
Basic Information
Program ID: at-home-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:32
Last Scraped: 01/15/2026 08:53
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 3,199.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,199.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The welcome offer is 'Get 10% off your first purchase'. This discount is applied instantly at checkout on your first purchase made with the At Home Credit Card.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at At Home stores, 1x on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards expire 12 months after issuance if not redeemed.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The At Home Credit Card, issued by Synchrony, is primarily designed for purchases at At Home stores and its affiliated online platforms. Eligibility requirements for 2026 include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a stable income. Applicants typically need fair to good credit history, though Synchrony may approve applicants with limited credit for store cards. Common bonus rules include a one-time discount on the first purchase (e.g., 10-15% off) or special promotional financing offers (e.g., 0% APR for 6-12 months on qualifying purchases over a specified amount). These offers are generally applied at the point of sale or within a short period post-account opening.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Immediate (for first purchase discount) or 30-90 days (for spend-based bonuses, if applicable)
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive returns, suspected fraudulent activity, consistent late payments, rapid application for multiple Synchrony-issued cards, or abuse of promotional financing terms. Manufactured spending is less relevant for a store-specific card but remains a general issuer concern.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.1 / 5.0
Top Positive Feedback:
Excellent rewards for frequent At Home shoppers (5% back), useful special financing offers for large purchases, no annual fee.
Top Negative Feedback:
Very high APR (29.99%), poor customer service from Synchrony Bank, limited utility outside of At Home stores, confusing special financing terms.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Capital One SavorOne Rewards
- Amazon Store Card
- Citi Custom Cash Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0