1
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGProgram ID: home-outlet-credit-card
Issuer: Synchrony
Card Name: Home Outlet Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony offers SCRA benefits, including potential interest rate reductions for eligible servicemembers. To request SCRA benefits, call 1-855-367-4540 or visit mysynchrony.com/military.
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 1 Total
PENDINGFinancing 1
Special Promotional Financing
Varies by promotion; deferred interest options availableCardholders may be eligible for special promotional financing offers on qualifying purchases made at Home Outlet. These offers allow customers to pay for their purchases over time, often with deferred interest options. Specific terms, eligibility, and promotional periods vary and are subject to credit approval. See store for current details.
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 |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requirements for the Home Outlet Credit Card include being a U.S. resident, 18 years or older, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria. New cardholders typically receive an introductory offer, such as a percentage discount (e.g., 10-15%) on their first Home Outlet purchase made within a specified timeframe (e.g., 30-60 days) or special promotional financing (e.g., 0% APR for 6-12 months on qualifying purchases). All offers and benefits are subject to store-specific restrictions and Synchrony's terms and conditions.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: While there are no traditional 'cliff effect' rules for this specific single store card, Synchrony generally manages overall credit exposure. Obtaining multiple Synchrony-issued cards in a short period may lead to lower credit limits on subsequent approvals or denials based on cumulative credit extended.
Special Events: Seasonal sales events (e.g., Spring Home Event, Fall Renovation Sale), member-exclusive discount days, special financing promotions on large purchases, and loyalty rewards programs.
Holiday Promos: Black Friday, Cyber Monday, Christmas/New Year, Memorial Day, Labor Day, and other national holiday sales periods.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Offers special financing for large home improvement purchases, no annual fee, relatively easy to get approved for those with fair credit.
Top Negative:
High deferred interest APR if balance isn't paid in full by promotion end, limited use outside Home Outlet, customer service can be challenging, low credit limits for some users.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Home Depot Consumer Credit Card
- Capital One QuicksilverOne
Card Value Score: 45.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0