THE CARDTUNED DATABASE
Synchrony HOME Credit Card
Issuer: Synchrony
No ongoing rewards program; value is Synchrony HOME network financing.
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — Synchrony HOME participating-retailer account
- Intro APR
- Six months deferred interest on $299–$1,998.99; 12 months on $1,999+; select partners may offer up to 60 months
- 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
Six months deferred interest on $299–$1,998.99 or 12 months on $1,999+
- Spending requirement
- $299+; $1,999+ for 12m
- Time window
- 6 or 12 months
Offer last checked: 2026-09-09
Additional benefits
• Six months deferred interest on $299–$1,998.99
• Twelve months deferred interest on $1,999+
• Select partners may offer financing up to 60 months
• Accepted at thousands of Synchrony HOME partners
• Free access to the cardholder credit score
Restrictions to know
Everyday offers require a qualifying single-receipt purchase and minimum monthly payments. Interest is charged from purchase date if the promotional balance is not paid in full. Longer terms, thresholds and availability vary by partner.
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