THE CARDTUNED DATABASE
Flooring America Synchrony HOME Credit Card
Issuer: Synchrony
No ongoing rewards program; value is merchant and Synchrony HOME promotional financing.
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/participating-retailer account
- Intro APR
- 6 months deferred interest on $299–$1,998.99; 12 months on $1,999+ at participating Synchrony HOME retailers
- Regular APR
- 34.99% purchase APR; 39.99% penalty APR; $2 minimum interest charge
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
Deferred-interest financing for 6 months on $299–$1,998.99 or 12 months on $1,999+
- Spending requirement
- $299+ (6 months); $1,999+ (12 months)
- Time window
- 6 or 12 months
Offer last checked: 2026-09-09
Additional benefits
• Six-month deferred-interest financing on qualifying $299–$1,998.99 purchases
• Twelve-month deferred-interest financing on qualifying $1,999+ purchases
• Accepted at participating Synchrony HOME retailers
Restrictions to know
Promotional financing requires a qualifying single-receipt purchase and minimum monthly payments. Interest is charged from the purchase date if the promotional balance is not paid in full by the deadline. Retailer participation and longer promotional plans vary.
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