Synchrony HOME Credit Card
Basic Information
Program ID: synchrony-home-credit-card
Issuer: Synchrony
Card Type: Credit
Network: N/A
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:16
Last Scraped: 01/15/2026 07:54
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: As of January 2026, the Synchrony HOME Credit Card primarily offers special financing promotions (e.g., 0% APR for a set period on qualifying purchases) rather than a traditional cash or points sign-up bonus for meeting a spending threshold. Any special financing terms are typically applied at the point of purchase or reflected on the monthly statement.
Rewards Program
Reward Type: Special Financing Offers (Primary Benefit), No Traditional Rewards
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special financing offers on eligible purchases at participating Synchrony Home Network retailers. This card does not offer traditional points or cashback rewards.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Not applicable, as this card does not offer traditional points or cashback rewards.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Synchrony Home Credit Card is designed for purchases at a network of participating home-related retailers. Eligibility requirements for 2026 include being a U.S. resident, 18 years or older, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating a fair to good credit history with the ability to repay. Applications are typically processed online via Synchrony's portal or directly at participating Synchrony Home Network retailers. This card primarily offers deferred interest financing promotions (e.g., 0% APR for specific periods like 6, 12, 18, 24, 36, 48, or 60 months) on qualifying purchases, often with minimum spend requirements. If the promotional balance is not paid in full by the end of the promotional period, interest is retroactively charged from the original purchase date. There are no traditional sign-up bonuses like cash back or points.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional bonus spend; deferred interest promotions apply to qualifying purchases made within the specified promotional period.
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, opening an excessive number of Synchrony accounts within a short timeframe (app spree), suspicious spending patterns inconsistent with home goods purchases, failure to make timely payments, or any breach of the cardholder agreement terms and conditions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.9 / 5.0
Top Positive Feedback:
Good for promotional financing on large home-related purchases; accessible for those with fair credit; easy application process.
Top Negative Feedback:
Frequent complaints about customer service; high interest rates after promotional periods; difficulty resolving billing issues; unexpected credit limit reductions.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Home Depot Consumer Credit Card
- Citi Custom Cash Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 10% General / 90% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0