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Credit Card

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Pay Over Time

With the Synchrony HOME
Credit Card

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Multiple Options to Help You Sleep Easier

No Interest if Paid in Full Within 6 Months*

On purchases of $799.99 or less 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.

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.

Credit Card

2% Cash Back

On purchases under $299 paid as a statement credit.1

Extra Benefits for Low-Balance Purchases

$0 fraud liability
No annual fee2
Check your balance and pay bills via mobile app3
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.