Synchrony HOME Credit Card
A specialty card accepted at thousands of home, furniture and appliance retailers, offering 2% back on smaller home purchases or promotional financing on larger ones.
Why it ranks
- No annual fee
- Broad home retailer acceptance
- Flexible financing on large purchases
What holds it back
- Deferred-interest financing charges back-interest if not paid in full
- Limited to participating home retailers
- No rewards outside the network
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A specialty card accepted at thousands of home, furniture and appliance retailers, offering 2% back on smaller home purchases or promotional financing on larger ones.
Synchrony HOME Credit Card at a glance
| Issuer | Synchrony |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | None |
| Rewards rate | 2% cash back on eligible purchases under $299 at participating retailers, or promotional financing on purchases of $299 or more |
| Intro APR | Promotional financing on qualifying purchases of $299 or more |
| Regular APR | See terms |
| Foreign transaction fee | N/A (network of home retailers) |
| Credit needed | Fair to Good (640+) |
| Best for | Furnishing or renovating a home across many retailers |
| Airport lounge access | No |
Rewards & benefits
- Accepted at a large network of home and furniture stores
- 2% back on smaller purchases
- Deferred-interest financing on big-ticket items
Eligibility & who it suits
- Fair-to-good credit score
- Purchase at a participating retailer
- Sufficient income to support the line
How to apply
Check current rates on Synchrony’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SSynchronyHOMENo annual fee · US Synchrony HOME Credit CardFurnishing or renovating a home across many retailers |
None | 2% cash back on eligible purchases under $299 at participating retailers, or pro… | None | N/A (network of home retai… | Fair to Good (640+) | |
| 2 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 3 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 4 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) |
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