Buy Now. Pay Later.
Sweet Dreams are Made of These Added Card Benefits
Financing FAQs
How do I apply for a Synchrony HOME Credit Card?
You can apply for a Synchrony HOME Credit Card by filling out an application online. Apply now.
How do I manage my Synchrony HOME Credit Card online?
Log in to your account at mysynchrony.com to view your balance, schedule payments and view previous purchase activity.
How do I make a payment on my Synchrony HOME Credit Card?
Pay Online: Log in to your account on mysynchrony.com, click "manage my account," and then click "payments."
Pay By Phone: Contact Synchrony Bank Customer Service: 1-866-396-8254, Monday – Sunday 7:30 a.m. to 12 a.m. midnight EST to make a payment by phone.
Pay By Mail: Mail payment to the address below. Please note: ensure that you have plenty of time for your payment to arrive prior to the payment due date.
Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061
Can I use my Synchrony HOME Credit Card to purchase backordered items?
You cannot use your Synchrony HOME Credit Card to purchase items that are backordered. We apologize for any inconvenience.
How do I apply for SetPay?
You can apply for a Synchrony SetPay installment loan by filling out an application online at checkout.
How do I make a payment for SetPay?
When you applied for a Synchrony SetPay loan, you set up autopayments, so you don’t need to do anything else. You will be reminded of an upcoming payment via email 3 days before your payment is due, and the payment will be taken when the payment is due. You will receive another message confirming that each payment was processed by Synchrony.
* Qualifying purchase amount must be on one receipt. No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. The required minimum monthly payments may or may not pay off the promo purchase by the end of the promo period. Regular account terms apply to non-promo purchases and, after promo period ends, to the remaining promo balance. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the term of this offer at any time.
‡ Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the term of this offer at any time.
~ Subject to credit approval.
1 For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2.
2 Data fees may apply.