Synchrony HOME
The Synchrony HOME Credit Card
The Synchrony HOME credit card is a revolving credit card offered through Synchrony Bank. Use it at thousands of HOME partner locations nationwide to finance the products and projects that make your house a home.
Apply in our showroom or online. Most applicants receive a decision within minutes. Once approved, financing is applied directly to your project quote—one application, one approval, one monthly payment.
Promotional Offers
Promotional Financing
Months*
Promotional Financing
on purchases of $299–$1,998.99
Months*
Promotional Financing
on purchases of $1,999 or more
*No Interest If Paid In Full Within 6 or 12 months on qualifying purchases with your Synchrony HOME Credit Card. 6 months on purchases of $299–$1,998.99 or 12 months on purchases of $1,999 or more. 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. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
**New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
***You may be required to provide your annual net income if we do not have your recent information on file. Your income will be used as a factor to determine eligibility for a credit limit increase.
****Subject to credit approval.
Card Benefits
Benefits of the Synchrony HOME Card
Promotional Financing
6 months on purchases of $299–$1,998.99 and 12 months on purchases of $1,999 or more.
No Annual Fee**
No annual fee and the ability to request a credit limit increase at any time.***
$0 Fraud Liability
$0 fraud liability and 24/7 secure account management for complete peace of mind.
Use It Nationwide
A dedicated credit limit usable at thousands of Synchrony HOME partner locations across the country.****
Common Questions