Synchrony HOME Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: synchrony-home-credit-card

Issuer: Synchrony

Card Name: Synchrony HOME Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:16

Last Scraped: Feb 15, 2026 15:49

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Active duty Servicemembers may be eligible for SCRA benefits, including a reduction in interest rate to 6% on balances incurred prior to active duty service.

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 Access
24/7 online access

Manage your Synchrony HOME credit card account online 24/7. Features include viewing statements, checking balances, making payments, and updating personal information through a secure online portal.

Financial Savings 1
No Annual Fee
No annual fee

The Synchrony HOME credit card does not charge an annual fee for card membership, allowing cardholders to save on recurring costs.

Financing 1
Special Financing Offers
Varies by promotion and retailer

Access to special financing offers on qualifying purchases made with the Synchrony HOME credit card. Offers may include deferred interest or promotional APR periods, varying by promotion and participating retailer.

Security 1
Zero Fraud Liability
Full protection against unauthorized charges

Cardholders are not responsible for unauthorized charges made with their Synchrony HOME credit card, providing protection against fraudulent activity.

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
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
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18+ years old (19+ in AL/NE), a US resident with a valid SSN/ITIN, and meet Synchrony Bank's creditworthiness criteria (including credit score, income, and debt-to-income ratio). Bonus Rule: The primary 'bonus' is typically promotional financing (e.g., 0% APR for 6-60 months on qualifying purchases), rather than a traditional sign-up bonus with a spend requirement. Occasional first-purchase discounts may be offered. Application Rules: Applications can be submitted online or in-store, often resulting in an instant credit decision. All applications are subject to Synchrony Bank's credit approval process. These rules are projected for 2026 based on current Synchrony Bank practices.

Max Cards Per Issuer: 10

Min Spend Interval: N/A for traditional sign-up bonus; promotional financing applies to specific purchases.

Shutdown Risk Triggers: Non-payment or late payments, excessive credit seeking (applying for many Synchrony cards in a short period), high utilization across Synchrony accounts, bankruptcy or significant derogatory marks on credit report, fraudulent activity, or unusual spending patterns inconsistent with typical store purchases.

Cliff Effect Rules: Synchrony Bank does not have traditional 'card family' cliff effects. However, overall credit exposure with Synchrony Bank is considered; new applications or credit limit increases may be denied if total credit across all Synchrony accounts is deemed too high by their underwriting standards.

Special Events: Frequent promotional financing offers (e.g., 0% APR for X months) tied to specific purchase amounts or product categories, often coinciding with major sales events, store anniversaries, or product launches.

Holiday Promos: Enhanced promotional financing offers and discounts are common during major retail holidays (e.g., Black Friday, Cyber Monday, Memorial Day, Labor Day, Christmas/New Year, President's Day, 4th of July).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.7 / 5.0

Top Positive:
Easy approval process for many applicants, useful promotional financing options for large purchases, accepted at a wide network of home-related retailers.

Top Negative:
Frequent complaints about poor customer service, high interest rates after promotional periods, billing errors, and difficulties resolving account issues.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Wells Fargo Reflect® Card
  • Citi Custom Cash® Card
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 03/01/2024