Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
Designed for buying home goods of all kinds, this card earns 2% cash back OR provides promotional deferred-interest financing on larger purchases. Check Synchrony’s store locator to find locations where you can use this card.
The Synchrony HOME Credit Card simplifies purchases for your home by offering promotional financing on large transactions, or cash back rewards for smaller ones. Whatever home features you’re looking for, you can likely find a Synchrony HOME store to fit.
You can’t use this card everywhere, but it is accepted at over a million locations nationwide, including online stores. When you make a purchase at any of these locations you’ll get either cash back rewards or promotional financing.
If you spend under $299, you’ll get 2% cash back as a statement credit on your account. If you spend over $299 on a purchase, you’ll get six months of promotional financing. This is done automatically at all locations that accept the card, and some locations offer even better deals like 12–60 month promotional financing or better rewards.
Take careful note that these are deferred-interest offers, rather than 0% introductory APR offers. This means that if you fail to pay back the entire balance by the due date or miss a payment, you’ll be charged interest on the entire balance for the entire length of the offer.
You can find locations of all the retailers you can shop at using your HOME credit card by visiting the store locator page on Synchrony’s website.
This card has no annual fee.