Synchrony HOME Credit Card

Synchrony Pending

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1

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: metus-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 06:12

Last Scraped: Feb 17, 2026 06:14

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

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x Travel booked through Synchrony Rewards Portal, 3x Dining and Groceries

Quarterly Rotating: No

Cap Amount: $15,000.00

Expiration Policy: Points expire 24 months after the statement closing date in which they were earned if the account is not in good standing or if there is no qualifying activity for 12 consecutive months. Points do not expire as long as the account is open and in good standing with qualifying activity.

Point Value: 0.01¢

Travel Portal Multiplier: 5x

Redemption Penalties: Minimum redemption increment of 2,500 points ($25 value) for cash back or statement credits. Travel redemptions have no minimum.

Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Options
Varies by promotional offer

Access to special financing promotions for qualifying purchases made with the Mitsubishi Electric credit card, issued by Synchrony Bank, subject to approved credit. These promotions may include deferred interest or reduced APR periods, allowing cardholders to manage payments for their Mitsubishi Electric cooling and heating systems.

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

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18, 24, 36, 48 or 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: Earn a $100 statement credit after spending $500 on eligible purchases within the first 3 months of account opening. Eligibility requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number or ITIN, and demonstrate sufficient income to meet credit obligations. Approval is subject to a credit check and Synchrony's internal underwriting criteria, typically favoring applicants with good to excellent credit for optimal approval odds.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, rapid credit line increase requests, unusual spending patterns inconsistent with the primary retailer's typical transactions, high credit utilization across multiple Synchrony accounts, defaulting on other Synchrony products, or suspected bust-out behavior.

Cliff Effect Rules: Synchrony does not typically enforce 'card family' bonus restrictions or 'cliff effect' rules like some major issuers. However, approval for new Synchrony cards is influenced by existing credit exposure with Synchrony and overall credit profile. Applying for multiple Synchrony cards in a short period may lead to denials based on credit limits or perceived risk.

Special Events: Exclusive cardholder-only discounts, special financing offers (e.g., 0% APR for 12-24 months on qualifying purchases), double points/cash back days, and early access to sales events at the associated retailer.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season (November-December), Memorial Day, Labor Day, 4th of July, and other major retail sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Provides essential financing for large HVAC purchases, often with attractive promotional 0% APR periods, making expensive home improvements more accessible.

Top Negative:
High deferred interest rates if promotional terms are not met, limited utility outside of Mitsubishi HVAC purchases, and frequent complaints about Synchrony Bank's customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited (0% intro APR)
  • Lowe's Advantage Card (for general home improvement)
  • Personal Loan (for large, flexible financing)

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: March 2024