2% Cash Back
On purchases under $299 paid as a statement credit.1
Extra Benefits for Low-Balance Purchases
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.
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.
* 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.
‡ 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.
1 Net card purchases (purchases minus returns and adjustments) less than $299 made with the Synchrony HOME Credit Card will earn 2% cash back rewards paid as a statement credit. Statement credits will be issued within 1 –2 billing cycles after qualifying purchase is made. Fees and interest charges do not qualify for rewards. Account must remain open, in good standing, and not become delinquent. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.
2 For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2.
3 Data fees may apply.