PAY OVER TIME WITH PROMOTIONAL FINANCING
WITH THE SYNCHRONY HOME CREDIT CARD.
No Interest If Paid In Full Within 6 or 12 or 18 months on qualifying purchases with your Synchrony HOME Credit Card.
6 months on purchases of $299–$998.99 or 12 months on purchases of $999 - $1,998.99 or 18 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.
BENEFITS OF THE SYNCHRONY HOME CREDIT CARD
- No annual fee and the ability to request a credit limit increase***
- Online account management and customer service
- $0 fraud liability and 24/7 secure account management
* 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, aer promo period ends, to the promo balance. New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
** New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. 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.
Manage your account with synchrony
Make payments, view your balance, update account information and schedule up to 12 payments at a time.
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What is the Synchrony HOME Credit Card?
A credit card offered through Synchrony Bank with a revolving credit limit to use again and again everywhere the Synchrony HOME Credit Card is accepted.*
* Subject to credit approval.
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How do I apply for the Synchrony HOME Credit Card?
You can apply for a Synchrony HOME Credit Card online or at any Synchrony HOME retailer location. Click here to apply online or here to find your nearest participating store location.
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How do I manage my account online?
A credit card offered through Synchrony Bank with a revolving credit limit to use again and again everywhere the Synchrony HOME Credit Card is accepted.*
* Subject to credit approval.