16
UpvotesCan I use my Synchrony Home Credit Card anywhere?
Reply
Jose Palace
It really depends on the card. If yours is a Visa or MasterCard, then you should have no problem using it.
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Synchrony Home Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and customer service info for The Synchrony Home Credit Card. Compare to other cards and apply online in secondsJohn Kiernan
WalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APR
WalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APRSynchrony Home Credit Card
Synchrony Home Credit Card
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WalletHub RatingCard TermsEditor's ReviewFAQUser Reviews
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
34.99%
Balance Transfer
Balance Transfers Not Allowed
Synchrony Home Credit Card's Additional Info
Special financial available at participating retailers.
Shop at 20,000+ participating retail locations.
Find retailers and their locations that accept the Synchrony Home credit card. Use the power of this card to help make your home uniquely yours.
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | 39.99% |
| grace period | 23 days |
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Editor's ReviewFact checked
Fact checked
January 27th, 2026
Synchrony Home Credit Card Pros & Cons
No membership fees
Qualify with fair credit
No rewards
High regular APR
Compare The Synchrony Home Credit Card vs. Popular Alternatives
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR34.99% | Regular APR18.74% - 26.74% (V) | Regular APR18.74% - 27.49% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Synchrony Home Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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0
UpvotesHow can I talk to Synchrony Home Credit Card customer service?
Reply
Maria Adams
To talk to Synchrony Home Credit Card customer service, call (866) 396-8254 and then wait to be connected to an agent. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Synchrony Home Credit Card Customer Service by Phone
- Call the Synchrony Home Credit Card customer service department. You can even use the number on the back of your card.
- Wait to...
18
UpvotesCan I use my Synchrony Home credit card at Lowe's?
Reply
Alice Kane
No, you cannot use your Synchrony Home Credit Card at Lowe's, as this isn't one of the 35 retailers that participate in the issuer's “Home Program.” This program includes brands like Abt, Cardi's, and Furniture Warehouse that sell furniture, mattresses, electronics, and appliances among other things. You can use your Synchrony Home Credit Card to make purchases at these retailers at a special price.
If you're looking for a store card to use at Lowe's, you could check out the Lowe's Store Card....
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3
UpvotesHow much is the Synchrony Home Credit Card APR?
Reply
Arnold Freeman
The Synchrony Home Credit Card's APR is 29.99%.
The card also offers deferred interest for purchases paid in full within 6 months of account opening.
There is no APR for balance transfers and cash advances because those aren't supported. But you won't be charged with a penalty APR either.
0
UpvotesHow do I set up Synchrony Home Credit Card automatic payments?
Reply
Chip Lupo
Cardholders can set up Synchrony Home Credit Card automatic payments through their online account or the Synchrony Bank mobile app. Calling customer service at (877) 295 2080 also is an option. Once you're enrolled, Synchrony Bank will withdraw the payment amount from your linked bank account on the scheduled date.
How to Set Up Synchrony Home Credit Card Automatic Payments:
- Log in to your online account via the Synchrony Bank website or mobile app.
- Find the payment section on the...
0
Upvotes0
UpvotesHow can I activate my Synchrony Home Credit Card?
Reply
John Miller
To activate a Synchrony Home Credit Card, call (866) 419-4096 or go to the Synchrony Bank activation website.
Your new card will be ready to make purchases in just a few moments, no matter which activation method you use. Synchrony Bank does not have a certain time limit within which you need to activate your card, but it's best to do it as soon as possible.
How to Activate a Synchrony Home Credit Card
- By phone: Call (866) 419-4096 or the number on the...
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Synchrony Home Credit Card Reviews
Share your insights and review for the Synchrony Home Credit Card
3.2
146 reviews
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1 Star Rating
Never do business with Synchrony. God forbid it takes you longer than a year to find a mattress during COVID and they close your account without any warning. Check consumer sites like Reddit and Quora. I haven't seen one good review because before they close an account, it would be nice to let you know that they're going to close it for inactivity, especially during a pandemic.
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3 Star Rating
Verified CustomerThis card is okay; just make sure you pay it off on time. If not, you will be charged the full interest rate for the entire amount of the loan.
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5 Star Rating
Verified CustomerGreat company and gives a good credit line for your needs!
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1 Star Rating
Frustrating and Misleading Experience
I had a very disappointing experience with the Ashley Furniture Credit Card through Synchrony. After speaking with multiple agents and managers, I was given a final balance to completely pay off my card. I paid the full amount the same day I was told, expecting that to be the end of it.
To my surprise, a month later I received another bill showing additional interest charges. When I called back, two different managers told me that interest had continued to accumulate even after I paid in full—on the same day they provided the payoff amount. I was never informed that this would happen, and they refused to remove the charges.
This felt incredibly dishonest and misleading. I was blindsided by extra charges that were never explained upfront. I would strongly caution anyone considering this card to be extremely careful and make sure they get everything in writing.
I had a very disappointing experience with the Ashley Furniture Credit Card through Synchrony. After speaking with multiple agents and managers, I was given a final balance to completely pay off my card. I paid the full amount the same day I was told, expecting that to be the end of it.
To my surprise, a month later I received another bill showing additional interest charges. When I called back, two different managers told me that interest had continued to accumulate even after I paid in full—on the same day they provided the payoff amount. I was never informed that this would happen, and they refused to remove the charges.
This felt incredibly dishonest and misleading. I was blindsided by extra charges that were never explained upfront. I would strongly caution anyone considering this card to be extremely careful and make sure they get everything in writing.
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1 Star Rating
This is the worst company to do business with. Zero percent interest with equal payments is a scam. I have automatic payments through my bank scheduled to arrive three days prior to my payment due date. It took them four days to apply it to my account, which made my payment one day late, so they charged me a late fee. I didn't happen to look at my next statement (an oversight on my part), so my next payment did not include the late fee, which then allowed them to charge me yet another late fee. Luckily, I caught it the next month. They waived one late fee but not the one they charged me because I was wrongly charged the first time. Stupid company. This also happened when they decided to add the paper fee. Which, good luck trying to get that to stop. They wouldn't do it over the phone for my husband. They appear to utilize any means to get extra money from customers. As soon as this is paid off, I will never use this company again. If I could give zero stars, I would. And the customer service agent is no help, unless you just want to go round and round with them, receiving insincere apologies and assertions of "I'm right and you're wrong."
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1 Star Rating
Synchrony Home scammed me out of over $500. I made a final payment of a promotional balance to pay it off before the due date. Their system did not register the payment and continued processing a lesser amount. When I noticed it, they had charged me over $500 in interest. They were having system issues and could not access my account. It was the same issue they had when I called and made the final payment. They would not admit they had any issues, and there was no record of my calls. I told them I have additional phone numbers that I call from, but they did not want to investigate. Their glitches cost me a lot of money. I should have double-checked, I know, but I don't have to do that with my other auto-pay accounts. They did say I was 2 weeks out of the grace period but would not assist me.
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1 Star Rating
One of the worst companies I have worked with. They will do everything in their power to get as much money as possible from you and won't work with you at all. Initially, I found their customer service helpful when I called with a question, but later, when I had a concern, they were not willing to work with me at all. Not one bit. It's hard to get anyone to actually speak with you too. Would definitely not use this company ever again!
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1 Star Rating
Stay away! Synchrony will not protect you in the event you need to dispute a charge. No matter how much proof you provide, they will rule in favor of the merchant since the merchant brings them more customers. Multiple Synchrony agents admitted I had more than enough proof and had provided the merchant more than enough opportunity to correct the issues, but my dispute claim was still denied three times. Synchrony will not provide you a copy in writing of what their dispute policy is or give any explanation of why your dispute claim was denied. Take your business elsewhere.
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1 Star Rating
This card hurt my credit score significantly—36 points in one month. They reduced my lending power from $2,000 to $150 in one month. I wish I had known this before I got the card. It was not a good choice. I am strictly against this kind of card.
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1 Star Rating
They completely took advantage of us. My parents, due to their language barrier, were misled when they went to buy furniture. They were told they could pay it off with no interest, but what they didn't know was that there was an 18-month promotion which essentially accumulates all the interest and charges you after 18 months if the full payment has not been made. I contacted everyone I possibly could to have that payment waived. The total price was $6,000, and after 18 months of payments, our balance went back to over $6,000 because they charged us $3,000 in interest at once, plus monthly interest. Now I'm trying to pay the full amount, but they are not willing to waive the accrued interest. We don't have $6,000, and we thought we had time to pay it off slowly, but no, they trap you like this, so be careful.
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Offer last updated: Jan 27th, 2026 at 14:18 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
18.74% - 26.74% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 5% Cash Back
BONUS OFFER
None
MINIMUM CREDIT