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Multiple Options to Help You Sleep Easier

No Interest if Paid in Full Within 6 Months*

On purchases of $200-$799.99 made with the Synchrony HOME Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 Months. Minimum monthly payments required.

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0% APR for 24 Months‡

On purchases of $800 or more made at Dr. Oz Good Life™ with the Synchrony HOME Credit Card. Equal monthly payments required for 24 months.

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Buy Now. Pay Later.~

4 equal payments over 6 weeks with SetPay

Instant decision
No interest
No fees
No impact to credit bureau score

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Sweet Dreams are Made of These Added Card Benefits

$0 fraud liability
No annual fee1
Check your balance and pay bills via mobile app2
Person Sleeping in Bed

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.