Synchrony HOME™ Credit Card

Synchrony Pending

Back Apply Now

4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: system-pavers-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 10:00

Last Scraped: Feb 17, 2026 10:02

Apply 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) 4 Total
PENDING
Account Management 2
Convenient Monthly Payments

Ability to make manageable monthly payments for financed System Pavers projects.

Easy Online Account Management

Access to a user-friendly online portal provided by Synchrony Bank for managing the System Pavers credit card account, including viewing statements, making payments, and updating personal information.

Financing 2
Special Financing Offers
Varies by promotional period and terms

Access to special promotional financing options for System Pavers projects, available with approved credit.

Revolving Line of Credit
Varies by approved credit limit

Provides a dedicated revolving line of credit specifically for System Pavers purchases, allowing cardholders to finance current projects and make future purchases up to their approved credit limit.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 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 the promotional period. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 720
Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The 'system-pavers-credit-card' from Synchrony for 2026 is a store-specific credit product. New applicants are typically offered a bonus, which may include a percentage off their first purchase (e.g., 10% off up to $100, applied as a statement credit) or special deferred interest financing (e.g., 0% APR for 12 months on purchases over $299). Eligibility requirements for this card include: being at least 18 years of age (19 in AL/NE), a legal US resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a fair to good credit history. Applicants must also demonstrate a stable income and generally should not have recent bankruptcies or a high number of new credit accounts opened with Synchrony within the last 6-12 months.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months for spend-based bonuses; N/A for deferred interest offers.

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (especially multiple Synchrony applications within a short period), high cumulative credit limit across all Synchrony accounts relative to income, prolonged account inactivity, repeated abuse of promotional offers, and any breach of terms such as late payments or suspected fraudulent activity.

Cliff Effect Rules: The primary 'cliff effect' for this store card relates to its deferred interest promotions. If the promotional balance is not paid in full by the end of the specified promotional period, or if a minimum payment is missed, all deferred interest from the original purchase date will be retroactively applied to the account. Furthermore, maintaining a positive payment history and responsible credit utilization on this card is crucial for eligibility for future Synchrony products or credit limit increases across their portfolio.

Special Events: Anticipate special financing or discount offers during key landscaping seasons (e.g., Spring/Summer Landscaping Sales, Fall Project Kick-off), major US holidays (Memorial Day, Labor Day), and specific System Pavers promotional events throughout the year.

Holiday Promos: Key promotional periods include Black Friday (late November), Cyber Monday (early December), the broader Christmas/Holiday Shopping Season (November-December), and New Year's/Winter Sales (January).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Access to special promotional financing offers (e.g., 0% APR for a period), quick and easy application process, ability to finance large home improvement projects.

Top Negative:
High standard APR after promotional period, deferred interest can be costly if not paid in full, customer service issues reported, limited use outside of System Pavers.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Home Depot Consumer Credit Card
  • Wells Fargo Reflect Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $30.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 01/2024