Synchrony HOME Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: cabinets-to-go-credit-card

Issuer: Synchrony

Card Name: Synchrony HOME Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 03:40

Last Scraped: Feb 17, 2026 03:41

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Servicemembers Civil Relief Act (SCRA), offering an interest rate reduction to 6% on existing balances for eligible accounts opened prior to active duty.

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) 3 Total
PENDING
Lifestyle 1
Online Account Management
N/A

Easy-to-use online platform for cardholders to manage their Cabinets To Go credit card account, view statements, and make payments.

Shopping 2
Convenient Monthly Payments
N/A

Cardholders can make convenient monthly payments on their purchases made with the Cabinets To Go credit card.

Special Promotional Offers & Financing
Varies by offer

Access to exclusive special promotional offers and financing options, such as deferred interest or reduced APR periods, available to Cabinets To Go credit cardholders. Offers are subject to availability and credit approval.

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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 60 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6, 12, 18, 24, 36, 48, or 60 Months.
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 Cabinets To Go credit card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. For 2026, expect offers such as 0% APR for a specified period (e.g., 6, 12, 18, or 24 months) on qualifying purchases, often with deferred interest if the full promotional balance is not paid by the end of the term. Eligibility requirements for application include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria (credit score, income, debt-to-income ratio). Approval is subject to credit review.

Max Cards Per Issuer: 6

Min Spend Interval: Not applicable for a traditional bonus. Promotional financing offers typically require qualifying purchases within a specific promotional period (e.g., 6-24 months) to qualify for the special terms and avoid deferred interest.

Shutdown Risk Triggers: Late payments, exceeding credit limits, suspicious or fraudulent activity, excessive credit seeking across Synchrony accounts (leading to high cumulative credit exposure), and failure to adhere to promotional financing terms (e.g., not paying off deferred interest promotions as agreed).

Cliff Effect Rules: Not applicable. Store cards typically do not belong to a 'card family' with tiered benefits or shutdown rules based on holding multiple versions.

Special Events: Expect promotional financing offers tied to major home improvement seasons (e.g., Spring renovation sales, Fall remodeling events), specific product category promotions (e.g., kitchen cabinet sales), and store anniversary events.

Holiday Promos: Key promotional periods include Black Friday/Cyber Monday, Memorial Day, Labor Day, 4th of July, and year-end clearance sales, often featuring enhanced financing options.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy to get approved, especially for building credit. The special financing offers are great for large purchases like home renovations, allowing for manageable monthly payments without immediate interest.

Top Negative:
High interest rates after the promotional period. Customer service can be difficult to reach or unhelpful. Deferred interest can be a trap if the balance isn't paid in full by the deadline.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Home Depot Consumer Credit Card
  • Capital One Platinum Secured Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0