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The Synchrony HOME™ Credit Card

This card helps make it easy to make your bedroom everything you have dreamed of.

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Special Offers

  • 60 Months at 9.99% APR***

    On all smart beds purchased with a Synchrony HOME™ Credit Card. Fixed monthly payments required for 60 months. All financing offers are subject to credit approval.

  • 0% Interest for 36 Months**

    On orders over $4,999 purchased with a Synchrony HOME™ Credit Card 11/4/24 - 12/4/24. Equal monthly payments are required during the 36 month promotional period. A promo fee of 2% will be applied to monthly payments.

  • 24 Months Deferred Interest*

    On orders over $3,999 purchased with a Synchrony HOME™ Credit Card 11/4/24 - 12/4/24. Interest will be applied if the balance is not paid in full within 24 months.

  • 12 Months Deferred Interest*

    On orders over $1,999 purchased with a Synchrony HOME™ Credit Card 11/4/24 - 12/4/24. Interest will be applied if the balance is not paid in full within 24 months.

Benefits of the Synchrony HOME™ Credit Card

  • 6 Months Promotional Financing on all purchases¹
  • 12 to 60 Months Promotional Financing on qualifying purchases¹
  • Online account management and customer service
  • No annual fee² and the ability to request a credit limit increase³
  • $0 fraud liability and 24/7 secure account management
  • A dedicated credit limit that can be used at thousands of Synchrony HOME partner locations nationwide to help you get what you want and need for your home*
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Estimate Your Monthly Payments

Make the best decision on how to budget your purchase with our convenient Payment Calculator.

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Synchrony FAQs

What is the Synchrony HOME™ Credit Card?

We offer customers a credit card through Synchrony Bank with a revolving credit limit to use again and again everywhere the Synchrony HOME Credit Card is accepted.

*Subject to credit approval.

How do I apply for the Synchrony HOME™ Credit Card?

You can apply for a Synchrony HOME Credit Card by applying online by clicking this link.

How can I make a payment on my Synchrony HOME™ Credit Card?

There are three convenient ways to pay your bill.

• Pay Online: Click here to manage your account and make payments online.
• Pay by Phone: Call Synchrony Bank Customer Service at 1-800-333-1082 between 8:00 am - 11:00 pm ET Mon - Sat, 11:00 am - 9:00 pm ET Sun.
• Pay by Mail: Mail payments to the address below. Ensure plenty of time for your payment to arrive prior to the due date.

Synchrony Bank
PO Box 960061
Orlando, FL 32896-0061

Can I return an item I bought with the Synchrony HOME™ Credit Card?

Yes—you can return an item you bought with Synchrony by initiating the return process with the store.

How do I manage my account online?

To manage your Synchrony HOME Credit Card account online, click on the Manage My Account link here to go to the Synchrony Bank website. After logging in to your account you will be able to:

  • Make a payment.
  • View your balance.
  • Update your account information.
  • Schedule up to 12 future payments.

¹Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See store for details.

²No 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.

³New 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.

⁴Cardholders may be required to provide their annual net income if their recent information is not on file. Cardholder income will be used as a factor to determine eligibility for a credit limit increase.

⁵Data fees may apply.

*Minimum Monthly Payments: The interest is deferred during the promotional period. To avoid paying finance charges, the entire balance must be paid off in full at the end of the promotional period.

**Equal Monthly Payments: Interest does not accrue during the promotional period. Designed to pay off promotional balance in full within the promotional period.

***Fixed Monthly Payments:  Fixed monthly payments are required during the promotional period. APR is assessed during promotional period. Qualifying purchase amount must be on a single order. Interest will not be charged on the promotional balance if paid off by the end of the promotional period. Interest will be charged on the promotional balance from the purchase date, if you do not pay it off. Your required minimum monthly payments may, or may not, pay off the promotional balance before the end of the promotional time 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.