Synchrony HOME Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: viking-sewing-gallery-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 11:01

Last Scraped: Feb 17, 2026 11:03

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
Benefits & Protections (Detailed) 5 Total
PENDING
Account Management 2
Online Bill Pay

Conveniently pay your Viking Sewing Gallery Credit Card bill online through the Synchrony financial portal.

Online Account Management

Access and manage your Viking Sewing Gallery Credit Card account online, including viewing statements, checking balances, and updating personal information, through the Synchrony financial portal.

Financial 2
Low Monthly Payments
Varies based on balance and terms

Ability to make low minimum monthly payments on your outstanding balance, providing flexibility in managing your credit card debt, subject to the terms of your credit agreement.

No Annual Fee
No annual fee

The Viking Sewing Gallery Credit Card does not charge an annual fee for card membership, saving cardholders money each year.

Shopping 1
Special Financing Offers
Varies by promotion

Access to special financing promotions on qualifying purchases made with the Viking Sewing Gallery Credit Card, allowing customers to manage larger purchases with deferred interest or extended payment plans. Specific terms and eligibility vary by promotion.

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
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
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 balance is not paid in full within the promotional period. Minimum monthly payments required. See store for details. Valid for in-store purchases only. Subject to credit approval. Not all offers are available at all merchants. Ask your merchant for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Not specified
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be 18 years or older (19 in AL/NE), a US resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. This card primarily offers promotional financing on qualifying purchases at Viking Sewing Gallery, such as 0% APR for a specified period on purchases over a certain amount. There is no traditional sign-up bonus with a minimum spend requirement.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for traditional sign-up bonuses; promotional financing terms apply to specific purchases at the time of sale.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, rapid application for multiple Synchrony cards within a short timeframe, suspicious or unusual spending patterns inconsistent with the store's typical merchandise, defaulting on payments for any Synchrony account, or opening and immediately closing accounts repeatedly (churning behavior).

Cliff Effect Rules: Not applicable. Synchrony store cards are generally standalone and do not have complex 'card family' rules or bonus eligibility restrictions across different product lines.

Special Events: Annual sales events (e.g., Anniversary Sale, Spring/Fall Sales), exclusive cardholder-only events or early access to sales, and special financing offers tied to specific product launches or categories.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day, Father's Day, Back-to-School (August-September), and major federal holiday sales (e.g., Memorial Day, Labor Day).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Excellent for financing large purchases at Viking Sewing Gallery with promotional 0% APR offers, making expensive items more accessible.

Top Negative:
High standard APR after promotional period, limited use outside the specific store, potential for deferred interest if balance isn't paid in full, and mixed customer service experiences with Synchrony Bank.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Custom Cash Card
  • Discover it Cash Back

Card Value Score: 60.0 / 100

Est. Annual Rewards: $15.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: October 2023