4
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 4 Total
PENDINGFinancial 3
Special Financing Options
Varies by promotionAccess to promotional financing offers, such as deferred interest or interest-free periods, on qualifying purchases made with the Synchrony HOME Credit Card at Hinkley's Lighting. Specific terms and minimum purchase amounts apply.
Dedicated Credit Line
A specific line of credit exclusively for purchases related to home furnishings and improvements, including items from Hinkley's Lighting.
Convenient Monthly Payments
The ability to make manageable monthly payments on purchases made with the Synchrony HOME Credit Card, helping to spread out the cost of larger items.
Lifestyle 1
Online Account Management
Access to an online portal to manage the Synchrony HOME Credit Card account, including viewing statements, making payments, and updating personal information.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 31.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requires applicants to be 18+ years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony Bank's creditworthiness standards (typically fair to good credit). The card primarily offers promotional financing options, such as 0% APR for a specified period (e.g., 6-18 months) on qualifying purchases above a minimum threshold (e.g., $299+), and may include an introductory discount on the first purchase for new cardholders.
Max Cards Per Issuer: 7
Min Spend Interval: Not applicable for bonus spend; promotional financing terms apply to specific qualifying purchases.
Cliff Effect Rules: No specific 'card family' or 'cliff effect' rules apply; each Synchrony store card is generally evaluated independently.
Special Events: Hinkley's Lighting seasonal sales, new product launches, Black Friday/Cyber Monday, and other store-specific promotional events.
Holiday Promos: Major U.S. holidays (e.g., Memorial Day, Labor Day, 4th of July, Thanksgiving, Christmas), and seasonal sales periods (Spring, Fall).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Offers valuable promotional financing for large home-related purchases, often with easy approval, and can be useful for credit building.
Top Negative:
Frequent complaints about high deferred interest rates, confusing billing practices, and subpar customer service, making it difficult to manage the account effectively.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Home Depot Consumer Credit Card
- Chase Freedom Unlimited
Card Value Score: 55.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: January 2024
Last Updated: Jan 01, 2024 00:00