THE CARDTUNED DATABASE
At Home Insider Perks Credit Card
Issuer: Synchrony · Network: Varies
5% back in rewards on At Home purchases; Mastercard version earns 3% back at other eligible Mastercard merchants; $5 reward certificate per 500 points
- Annual fee
- $0
- Foreign transaction fee
- Varies by card version; see live application terms
- Intro APR
- No standard account-wide introductory APR; promotional financing may be available on qualifying purchases under the advertised terms.
- Regular APR
- 33.24% variable purchase APR for new accounts
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
15% off the first eligible purchase made with a new account
- Spending requirement
- First eligible purchase
- Time window
- No fixed public time window stated
Offer last checked: 2026-09-08
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | back in rewards on At Home purchases |
Additional benefits
• No interest if paid in full within 6 months on At Home purchases of $299+
• Mastercard version earns 3% back at other eligible merchants
• $5 reward certificate for every 500 points
Restrictions to know
Applicants may receive the private-label card or Mastercard, so network and foreign-transaction terms vary; the Mastercard has a 3% foreign transaction fee. The six-month $299+ offer is deferred interest. Up to four reward certificates may be issued per statement month, and certificates expire 90 days after issue. First-purchase exclusions and merchant-coding rules apply.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff