At Home Mastercard®

Synchrony Mastercard Pending

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9

Benefits

4

Reward Categories

5x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: at-home-mastercard

Issuer: Synchrony

Card Name: At Home Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 15:56

Last Scraped: Feb 16, 2026 15:58

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony provides benefits to eligible Servicemembers under the Servicemembers Civil Relief Act (SCRA). This may include a potential 0% APR on balances for accounts opened prior to active duty.

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
At Home Purchases 5x Points Purchases made at At Home stores or athome.com No Cap
Gas 2x Points Purchases made at gas stations (identified by merchant category codes for gas stations) No Cap
Groceries 2x Points Purchases made at grocery stores (identified by merchant category codes for grocery stores) No Cap
All Other Purchases 1x Points All eligible purchases made everywhere else Mastercard is accepted, not categorized as At Home, gas, or grocery purchases No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: At Home stores

Quarterly Rotating: No

Expiration Policy: Points expire 12 months from the date they are earned. Reward Certificates expire 90 days from the date of issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Reward Certificates are valid for one-time use only. Any unused portion of a Reward Certificate will be forfeited. Reward Certificates cannot be redeemed for cash, applied to previous purchases, or used for gift card purchases. Minimum purchase may be required for redemption.

Benefits & Protections (Detailed) 9 Total
PENDING
Financial Savings 1
No Annual Fee
$0

The At Home Mastercard does not charge an annual fee for card membership.

Purchase Protection 2
Extended Warranty
Up to 1 additional year

Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when you pay with your Mastercard.

Purchase Protection
Varies by claim

Reimburses cardholders for eligible items that are stolen or damaged within a certain period (e.g., 90-120 days) of the purchase date when you pay with your Mastercard.

Security 2
Zero Liability Protection
Full protection

Protects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for unauthorized transactions.

Mastercard ID Theft Protection™
Included

Provides identity theft monitoring, alerts, and resolution services to help detect and resolve identity theft.

Shopping 3
At Home Purchases Rewards
5% back in rewards

Earn 5% back in rewards on eligible purchases made at At Home stores or athome.com.

Everyday Purchases Rewards
1% back in rewards

Earn 1% back in rewards on eligible purchases made everywhere else Mastercard is accepted.

Special Financing Offers
Varies

Access to special financing offers on qualifying purchases at At Home. These offers may vary and are subject to credit approval.

Travel Insurance 1
Mastercard Global Service™
Included

Provides emergency assistance services anytime, anywhere, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.

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
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 3.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The At Home Mastercard, issued by Synchrony, typically offers an initial discount (e.g., 10-20% off first purchase) or special financing options (e.g., 0% APR for X months on purchases over $Y) upon approval. Eligibility requirements for 2026 include being a U.S. resident, 18 years or older, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating a good to excellent credit history. Applicants must also have sufficient income to support new credit and not have an excessive number of existing Synchrony accounts or a high cumulative credit exposure with Synchrony.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit seeking (numerous recent applications with Synchrony or other issuers), manufactured spending (though less common for store cards), prolonged inactivity on the card, late payments or defaults on any Synchrony account, significant adverse changes in credit profile, or breach of terms of service.

Cliff Effect Rules: Synchrony does not operate with traditional 'card families' that offer tiered benefits. However, a 'cliff effect' exists regarding total credit exposure. Once a customer reaches a certain aggregate credit limit across all Synchrony-issued accounts, further approvals for new cards or credit limit increases become significantly more challenging, effectively capping the total credit available from Synchrony regardless of individual card performance.

Special Events: Expect frequent promotions such as 'X% off entire purchase,' 'special financing on purchases over $Y,' 'member-exclusive early access to sales,' and 'bonus rewards points events.' These are typically advertised in-store, online, and via email to cardholders.

Holiday Promos: Enhanced financing offers and significant discounts are common during major retail holidays, including but not limited to Black Friday, Cyber Monday, Memorial Day, Labor Day, 4th of July, and year-end clearance sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.7 / 5.0

Top Positive:
Excellent for frequent At Home shoppers due to 5% rewards and special financing offers. Some users report easy approval and appreciate the no annual fee.

Top Negative:
Frequent complaints about Synchrony's customer service, high APR if balances are carried, and occasional issues with rewards redemption or credit limit management.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Citi Double Cash Card
  • Wayfair Credit Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: ATHOME_MC_CA_0123