5 Benefits of the Synchrony HOME Credit Card

The Synchrony HOME Credit Card is designed for your homebuying needs. Since furnishing or decorating a home can be expensive, one of the main perks of this card are the promotional financing options that can help you manage your cash flow. That said, the card comes with various features that can benefit cardholders. Here are five benefits of being a Synchrony HOME Credit Cardholder.

Synchrony HOME Credit Cardholders can take advantage of the everyday promotional financing offers below everywhere the card is accepted:

• 6 months of promotional financing on purchases of $299 to $1,998.99*
• 12 months of promotional financing on purchases of $1,999 or more*

In addition, select Synchrony HOME retail partners offer promotional offers of up to 60 months on qualifying purchases,** and seasonal offers may be available throughout the year.

Promotional financing can be a useful tool, as it allows you to purchase things you need today—such as furniture, appliances, mattresses, flooring and more—with the flexibility to pay for them over time.

Synchrony HOME Credit Cardholders get free access to view their credit score with VantageScore®.† Not only will you see your credit score, which gets updated monthly, but you'll also get tips on how to improve and maintain your score.

Having a good credit score is essential because lenders use it as one factor when determining how creditworthy you are. In other words, if you ever need a mortgage, auto loan or personal loan in the future, having a good credit score can help with your application.

Unlike a traditional store credit card that's tied to one specific retailer, the Synchrony HOME Credit Card is accepted at thousands of Synchrony HOME retail partners nationwide. That means you can use your card at any Synchrony HOME partner, covering categories such as:

• Furniture and mattresses
• Electronics and appliances
• Flooring
• Outdoor
• Patio and garden

You can apply in-store or online at one of our Synchrony HOME partners. Explore our partners.

The Synchrony HOME Credit Card has no annual fee. That means you can take advantage of the card perks without having to worry about an annual fee.

Cardholders get $0 fraud liability as a standard benefit, so you can rest easy knowing that you aren't responsible for any unauthorized charges.^ Of course, it's important to try to keep your card secure and be sure to report a lost or stolen card right away.

The Synchrony HOME Credit Card may be a great choice for homeowners and renters. Cardholders can enjoy promotional financing on qualifying purchases and get free access to view their credit score. With thousands of Synchrony HOME retail partner locations, you may not want to leave home without this card. The Synchrony HOME Credit Card can help you enjoy where you live even more.

When used responsibly, a credit card can be an incredibly useful tool to help you manage your budget. Instead of using cash or a debit card, charging purchases on your Synchrony HOME Credit Card may allow you to access funds that can help you get what you need today without depleting your cash reserves

It can be especially helpful if you take advantage of the promotional financing offered. For example, let's say your refrigerator breaks down, and a replacement will cost you $600. Most people would need a replacement right away. If you don't have the entire amount handy, you could spread out your payments over time. Being able to make monthly payments instead of the full $600 upfront can be helpful for many people

Alternatively, someone doing a significant home makeover could see if any Synchrony HOME retail partners are offering longer term promotional financing. This would allow the homeowner to get what they need today while paying off the purchase over time.

¹For New Accounts: Purchase APR is 29.99%. as of February 1, 2024. Minimum Interest Charge is $2.

*No Interest If Paid In Full Within 6 or 12 months on qualifying purchases with your Synchrony HOME Credit Card. 6 months on purchases of $299 – $1,998.99 or 12 months on purchases of $1,999 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

**Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. Click here or see store for details.

^Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.