Synchrony HOME™ Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: mancinis-sleepworld-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 05:54

Last Scraped: Feb 17, 2026 05:55

Apply URL: Visit

Home URL: Visit

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) 5 Total
PENDING
Financing 5
12-Month Special Financing
0% APR for 12 months on purchases $999+

Enjoy 0% APR for 12 months on qualifying purchases of $999 or more made with the Mancini's Sleepworld Credit Card.

24-Month Special Financing
0% APR for 24 months on purchases $1999+

Enjoy 0% APR for 24 months on qualifying purchases of $1999 or more made with the Mancini's Sleepworld Credit Card.

36-Month Special Financing
0% APR for 36 months on purchases $2999+

Enjoy 0% APR for 36 months on qualifying purchases of $2999 or more made with the Mancini's Sleepworld Credit Card.

48-Month Special Financing
0% APR for 48 months on purchases $3999+

Enjoy 0% APR for 48 months on qualifying purchases of $3999 or more made with the Mancini's Sleepworld Credit Card.

60-Month Special Financing
0% APR for 60 months on purchases $4999+

Enjoy 0% APR for 60 months on qualifying purchases of $4999 or more made with the Mancini's Sleepworld Credit Card.

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
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Special Financing

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 requirements for the Mancini's Sleepworld Credit Card (Synchrony) for 2026 include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a verifiable source of income. Approval is subject to creditworthiness, typically requiring fair to good credit. The primary 'bonus' rule for this store card is special promotional financing (e.g., 0% APR for a specified period) on qualifying purchases made exclusively at Mancini's Sleepworld. These promotions often require a minimum purchase amount and are subject to specific terms and conditions. There are generally no traditional sign-up bonuses like cash back or points associated with this card.

Max Cards Per Issuer: 7

Min Spend Interval: N/A - Promotional financing applies at point of sale for qualifying purchases.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive applications for Synchrony cards within a short timeframe, defaulting on payments, consistent late payments, suspicious or fraudulent activity, or breach of cardholder agreement terms.

Cliff Effect Rules: Not applicable; each Synchrony store card operates independently and does not typically have 'card family' or 'cliff effect' rules.

Special Events: Mancini's Sleepworld frequently offers enhanced promotional financing during store-specific sales events such as 'Anniversary Sales,' 'Customer Appreciation Days,' 'Clearance Events,' and brand-specific promotions (e.g., 'Tempur-Pedic Sales'). These events often feature extended 0% APR periods or deferred interest options.

Holiday Promos: Key holiday periods for special financing offers include President's Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Black Friday/Cyber Monday, and Christmas/New Year's sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.6 / 5.0

Top Positive:
Easy approval process, offers special financing promotions (0% APR for specific periods), useful for making large home furnishing purchases without immediate payment.

Top Negative:
High deferred interest if promotional balance is not paid in full, poor customer service experiences, high standard APR, difficulty managing account online.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Custom Cash Card
  • Lowe's Advantage Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0