Mathis Home Credit Card

Synchrony Pending

Back Apply Now

4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: mathis-home-credit-card

Issuer: Synchrony

Card Name: Mathis Home Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:55

Last Scraped: Feb 17, 2026 05:57

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits to eligible active duty service members, their spouses, and dependents under the Servicemembers Civil Relief Act (SCRA), including an interest rate reduction on accounts opened prior to active duty start date.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 4 Total
PENDING
Account Management 1
Online Account Management

Secure online access to manage your Mathis Home credit card account, including viewing statements, making payments, and updating personal information 24/7.

Financing 2
Special Financing Offers
Varies by promotion

Access to promotional financing options, such as deferred interest or 0% APR, on qualifying purchases made at Mathis Home with the credit card. Specific offers vary and are subject to terms.

Convenient Monthly Payments

The ability to make manageable monthly payments on purchases, helping cardholders budget for their Mathis Home expenditures.

Shopping 1
Exclusive Cardholder Offers
Varies by offer

Access to special discounts, promotions, and savings opportunities provided periodically to Mathis Home credit cardholders.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: 0% APR for 60 Months with Equal Monthly Payments

Promo Duration: 60 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requires being 18+ (19+ in AL/NE), a US resident with a valid SSN/ITIN, and meeting Synchrony's creditworthiness standards. Primary benefits for 2026 are expected to include promotional financing (e.g., 0% APR for X months on qualifying purchases, often with deferred interest if not paid in full) and potential initial purchase discounts or exclusive cardholder offers.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for traditional bonus spend; promotional financing terms apply to qualifying purchases made within specific promotional windows.

Shutdown Risk Triggers: Excessive credit seeking (many recent applications), high cumulative credit limit across Synchrony accounts relative to income, missed payments, delinquency, suspected abuse of promotional financing terms, or fraudulent activity.

Cliff Effect Rules: Not applicable; store cards generally operate independently without complex family rules or upgrade/downgrade paths.

Special Events: Frequent in-store promotional financing offers (e.g., 0% APR for extended periods on specific product categories or during sales events), exclusive cardholder discounts, and early access to sales.

Holiday Promos: Expect enhanced promotional financing and discounts during major retail holidays such as Black Friday, Cyber Monday, Memorial Day, Labor Day, and year-end sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Convenient for financing large purchases at Mathis Home; offers special promotional financing; relatively easy application process.

Top Negative:
High interest rates after promotional periods; limited utility outside Mathis Home; some users report customer service issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Wayfair Credit Card
  • Lowe's Advantage Card
  • Capital One Quicksilver Cash Rewards Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $25.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: February 2024

Last Updated: Feb 01, 2024 00:00