Synchrony HOME™ Credit Card

Synchrony Pending

Back Apply Now

4

Benefits

0

Reward Categories

—

Max Reward

—

APR From
Basic Information
PENDING

Program ID: dock86-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 18:23

Last Scraped: Feb 16, 2026 18:25

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony provides SCRA benefits including a 0% interest rate on balances for eligible Servicemembers on 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) 4 Total
PENDING
Lifestyle 3
Online Account Management

Manage your Synchrony HOME Credit Card account online, including viewing statements, making payments, and updating personal information.

Convenient Monthly Payments

Make convenient monthly payments towards your Synchrony HOME Credit Card balance.

No Annual Fee
No annual fee

The Synchrony HOME Credit Card has no annual fee, allowing cardholders to save money on card ownership costs.

Shopping 1
Special Promotional Financing Offers
Varies by offer

Access to special promotional financing offers on qualifying purchases made with the Synchrony HOME Credit Card at thousands of participating retailers nationwide, including Dock86. Offers may include deferred interest, interest-free periods, or reduced APRs for a specified duration, subject to minimum purchase requirements 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
Additional Fees
PENDING
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: New cardholders for the dock86-credit-card in 2026 are eligible for a 15% discount on their first dock86 purchase made within 30 days of account opening, up to a maximum discount of $100. Additionally, special financing offers, such as 0% APR for 12 months on qualifying purchases over $499, are frequently available. Eligibility requirements include being a U.S. resident, 18 years or older, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a fair to good credit history. Approval is subject to Synchrony Bank's credit underwriting standards, which assess the applicant's overall credit profile and existing Synchrony accounts. A hard inquiry will be performed upon application.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across all Synchrony accounts, rapid application for multiple Synchrony cards, prolonged account inactivity, missed payments or defaults on any Synchrony-issued account, suspicious spending patterns (e.g., large purchases followed by immediate returns).

Cliff Effect Rules: Synchrony does not have explicit 'card family' rules that prevent eligibility for bonuses based on holding other specific cards. However, overall credit risk and cumulative credit limit across all Synchrony accounts are major factors in approval for new cards and may impact credit limit increases or account health. Having too many Synchrony accounts or a high total credit limit can lead to denials for new applications.

Special Events: Exclusive cardholder discounts during major seasonal sales (e.g., Memorial Day, Labor Day, Black Friday), early access to sales events, birthday month discounts, and special financing promotions tied to specific product categories or purchase thresholds.

Holiday Promos: Black Friday/Cyber Monday (November-December), Christmas/Holiday Season (December), New Year's Sales (January), Valentine's Day (February), Mother's Day (May), Father's Day (June), 4th of July (July).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy financing for large furniture purchases; special promotional offers available; no annual fee.

Top Negative:
High interest rates if promotional terms are missed; limited use outside of Dock86; customer service can be challenging.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Wayfair Credit Card (Comenity)
  • Lowe's Advantage Card (Synchrony)
  • Chase Freedom Unlimited (0% Intro APR)

Card Value Score: 65.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2023-09-01