• One card.
    So many possibilities.

    Shop thousands of Synchrony HOME™ retail partners nationwide. Pay over time with promotional financing.1 Make your home the perfect home for you — all with help from the Synchrony HOME Credit Card.

    Find a location

  • A card for your home

    The Synchrony HOME Credit Card can help you turn your home into your dream home. From furniture and appliances to mattresses and flooring, thousands of retail partners accept Synchrony HOME. Find a retailer today to apply and get started.

    See how to apply

Everyday promotional financing offers

available everywhere the card is accepted

6 Months on purchases of $299 up to $1,998.99.2
12 Months on purchases of $1,999 or more.2

Plus, select Synchrony HOME retail partners may offer longer-term promotional financing of up to 60 months on qualifying purchases with the Synchrony HOME Credit Card.1

Explore partner offers

Additional benefits

Explore where you can use your card

Search for specific stores or browse Synchrony HOME categories below.

Check out offers from Synchrony HOME retail partners

View offers

Estimate your monthly payments

You may not have to wait to make that purchase. Use the payment calculator today to estimate monthly payments on the amount you would like to finance.

Start calculating

Manage on the go

The MySynchrony app for iOS and Android lets you manage your account and find nearby retailers and offers anywhere, anytime. Learn more

Explore retailers

Take a tour of the Synchrony HOME credit card

Explore Synchrony HOME retail categories and start shopping directly from our Welcome Home Guide. Plus, learn about benefits, locations, resources, and more.

View the guide

FAQs

Have questions? We have answers.

Ready to make your home your dream home?

From furniture and flooring to mattresses and more – enjoy promotional financing on qualifying purchases for your home1. The Synchrony HOME Credit Card is a no-annual-fee3 credit card with everyday promotional financing offers. What are you waiting for?

See how to apply

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


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. For new accounts as of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. 


3 For new accounts as of 7/31/2025: Purchase APR is 34.99%. Penalty APR 39.99%. Min Interest Charge $2. 


4 Credit score is provided by TransUnion and is available by accessing the online account service site. Scores are available online only to primary cardholders with an open account.