Synchrony HOME Credit Card
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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.
- Zero Liability on Unauthorized Charges
Synchrony HOME Credit Card
- 2% cash back on purchases under $299
- 6 months promotional financing on purchases over $299 (deferred-interest financing)
- 12–60 months promotional financing on eligible purchases at Synchrony HOME locations
- $0 fraud liability
- No annual fee
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.