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: mattress-warehouse-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 05:57

Last Scraped: Feb 17, 2026 05:59

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
0% APR Special Financing (12 Months)
0% APR for 12 months

Cardholders may qualify for special promotional financing with 0% APR for 12 months on qualifying purchases at Mattress Warehouse. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

0% APR Special Financing (24 Months)
0% APR for 24 months

Cardholders may qualify for special promotional financing with 0% APR for 24 months on qualifying purchases at Mattress Warehouse. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

0% APR Special Financing (36 Months)
0% APR for 36 months

Cardholders may qualify for special promotional financing with 0% APR for 36 months on qualifying purchases at Mattress Warehouse. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

0% APR Special Financing (48 Months)
0% APR for 48 months

Cardholders may qualify for special promotional financing with 0% APR for 48 months on qualifying purchases at Mattress Warehouse. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

0% APR Special Financing (60 Months)
0% APR for 60 months

Cardholders may qualify for special promotional financing with 0% APR for 60 months on qualifying purchases at Mattress Warehouse. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

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
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%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 60 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments are required.
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: Application Rules: Applicants must be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and possess a verifiable income. Approval is subject to creditworthiness as determined by Synchrony Bank. Bonus Rule: The primary 'bonus' for the Mattress Warehouse Credit Card is typically promotional financing offers, such as 0% APR for a specified period (e.g., 12, 24, 36, or 48 months) on qualifying purchases made at Mattress Warehouse. Specific promotional terms vary and are subject to minimum purchase requirements and credit approval.

Max Cards Per Issuer: 5

Min Spend Interval: N/A (promotional financing applied at point of sale)

Shutdown Risk Triggers: Missed or late payments, high utilization rates on the card, suspected fraudulent activity, bankruptcy filings, or rapid accumulation of multiple Synchrony-issued credit accounts which may indicate an elevated credit risk.

Cliff Effect Rules: N/A - Synchrony store cards generally operate independently; there are no specific 'card family' rules that link eligibility or benefits across different store brands.

Special Events: Exclusive cardholder discounts, early access to sales events, and special financing offers during specific promotional periods unique to Mattress Warehouse.

Holiday Promos: Major retail holidays such as Black Friday/Cyber Monday, Memorial Day, Labor Day, President's Day, 4th of July, and year-end sales are common periods for enhanced promotional financing offers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for large purchases; helpful for financing furniture; special promotional offers are useful.

Top Negative:
High interest rates after promotional period; deferred interest can be confusing; customer service issues; difficult to get credit limit increases.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Synchrony Premier World Mastercard
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Discover it® Secured Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $10.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 01/01/2024