Synchrony HOME Credit Card

Synchrony Pending

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4

Benefits

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Reward Categories

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Basic Information
PENDING

Program ID: ivan-smith-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 04:36

Last Scraped: Feb 17, 2026 04:38

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits under the Servicemembers Civil Relief Act (SCRA), including a 6% APR cap on pre-service obligations and a 0% APR on new purchases made during active duty for eligible servicemembers.

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
Account Management 1
Online Account Management
N/A

Provides access to an online portal where cardholders can manage their Ivan Smith Furniture credit card account, view statements, track purchases, and make payments conveniently.

Financial Access 1
Revolving Line of Credit
Varies by credit limit

Provides a flexible line of credit that can be used for purchases at Ivan Smith Furniture, allowing cardholders to make purchases up to their credit limit and pay them off over time.

Financial Management 1
Convenient Monthly Payments
Varies by balance and payment terms

Allows cardholders to make manageable monthly payments on their outstanding balance, aligning with the terms of their credit agreement.

Shopping / Financing 1
Special Financing Offers
Varies by promotion

Access to special financing promotions on qualifying purchases made at Ivan Smith Furniture. These offers typically involve deferred interest or 0% APR for a promotional period, provided the full promotional balance is paid by the end of the period.

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
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: 0.00%
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers

Promo Financing: Deferred Interest

Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval typically requires good to excellent credit, though some Synchrony store cards may approve with fair credit. New cardholders receive a 15% discount on their first purchase made within 30 days of account opening, up to a maximum discount of $100. Synchrony may limit new applications if an applicant has opened multiple Synchrony accounts recently or has a high existing credit exposure with the issuer.

Max Cards Per Issuer: 7

Min Spend Interval: 30 days (for first purchase bonus)

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, frequent applications for new Synchrony credit products within a short period, defaulting on other Synchrony accounts, suspicious activity inconsistent with typical retail purchases at the specific store, abuse of promotional financing offers.

Cliff Effect Rules: Synchrony does not typically have 'card family' rules that prevent bonuses on different products. However, approvals for new Synchrony cards become increasingly difficult as an individual's total credit exposure with Synchrony grows, acting as a soft 'cliff' where further applications may be denied due to perceived risk or over-extension. Product changes between Synchrony store cards are rare; usually, a new application is required.

Special Events: Exclusive cardholder-only sales events (e.g., 'Cardholder Appreciation Day'), early access to major sales (e.g., Black Friday, seasonal clearances), bonus rewards points or discounts on specific product categories during promotional periods.

Holiday Promos: Black Friday/Cyber Monday (November-December), Mother's Day/Father's Day (May-June), Back-to-School (July-August), Seasonal sales (Spring, Summer, Fall, Winter clearances).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.7 / 5.0

Top Positive:
Easy approval process, helpful 0% financing promotions for large purchases, accepted at various home-related stores within the Synchrony HOME network.

Top Negative:
Very high interest rates after promotional periods, poor customer service, confusing interest calculations, limited acceptance outside the Synchrony HOME network.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Ashley Advantage Card
  • Rooms To Go Card
  • Wayfair Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0