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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.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 29.99% Fixed

Synchrony HOME Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


  • 2% cash back on purchases under $299

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee $28
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • 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


Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

866-226-5638 or

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See all Issuer Cards

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.

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