4
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: standard-tv-appliance-credit-card
Issuer: Synchrony
Card Name: Synchrony HOME Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank provides benefits to eligible active duty servicemembers under the Servicemembers Civil Relief Act (SCRA), including an interest rate reduction to 6% for the duration of active duty service.
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 4 Total
PENDINGFinancial 1
No Annual Fee
No annual feeCardholders are not charged an annual fee for maintaining the credit card account.
Lifestyle 1
Online Account Management
ConvenienceConvenient access to manage the credit card account online, including viewing statements, making payments, and monitoring account activity.
Shopping 2
Special Financing Offers
Varies by promotionAccess to promotional financing options, such as deferred interest or reduced APR, on qualifying purchases made at Standard TV & Appliance. Offers are subject to credit approval and minimum monthly payments are required.
Dedicated Credit Line
Varies by credit limitA specific line of credit reserved for purchases made exclusively at Standard TV & Appliance.
Benefits Summary (Flags)
PENDINGExtended 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
PENDINGAdditional Fees
PENDINGInterest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: This card primarily offers deferred interest promotional financing (e.g., 0% APR for X months on qualifying purchases over $Y) rather than traditional sign-up bonuses. Eligibility requires applicants to be 18+ years old, a U.S. resident with a valid SSN/ITIN, and meet Synchrony's creditworthiness criteria. Approval is subject to a credit check. Store-specific restrictions apply, meaning the card is primarily for purchases at the associated TV/appliance retailer.
Max Cards Per Issuer: 6
Min Spend Interval: N/A for traditional bonus; promotional financing terms are met immediately upon qualifying purchase.
Cliff Effect Rules: N/A for card family rules; Synchrony manages overall credit exposure across all issued store cards, potentially limiting new approvals or credit line increases if total exposure is deemed too high.
Special Events: Frequent promotional financing offers tied to store-specific sales events (e.g., anniversary sales, clearance events), often providing extended deferred interest periods or special discounts for cardholders.
Holiday Promos: Enhanced promotional financing offers and cardholder-exclusive discounts during major retail holidays (e.g., Black Friday, Cyber Monday, Memorial Day, Labor Day, Christmas/New Year sales).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Easy approval for financing large purchases, especially with promotional 0% APR offers.
Top Negative:
High interest rates after promotional period, limited to store purchases, and deferred interest can be a trap.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One Quicksilver Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $5.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0