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Card2/4 on file
✓ Annual fee checked
Synchrony Bank / Synchrony Financial · Card

Synchrony HOME Credit Card

No Annual Fee

The Synchrony HOME Credit Card is a credit card from Synchrony Bank / Synchrony Financial with an annual fee of $0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Oct 2026), purchase APR (Oct 2026). Not yet checked with Synchrony Bank / Synchrony Financial: credit requirement. Synchrony Bank / Synchrony Financial’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee$0per yearChecked synchrony.com
Apply on Synchrony Bank / Synchrony FinancialCompare this card
Opens Synchrony Bank / Synchrony Financial’s site

Bank with branches in: Utah (1). Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Synchrony HOME Credit Card, exactly as recorded.

Annual fee
$0Checked synchrony.com
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
34.99%Checked synchrony.com
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
FairNot yet checked with Synchrony Bank / Synchrony Financial
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Synchrony HOME Credit Card. That may mean there isn’t one, or simply that we have not recorded it — Synchrony Bank / Synchrony Financial’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Synchrony HOME Credit Card. Rather than print a multiplier we cannot source, this stays blank until Synchrony Bank / Synchrony Financial’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • No annual fee
  • $0 fraud liability
  • Free access to your credit score
  • Promotional financing on qualifying purchases (6 or 12 months, or up to 60 months at select partners)
  • Ability to request a credit increase
  • Mobile app available on iOS and Android
  • 24/7 secure online account access with customizable alerts
Next step

Ready to apply for the Synchrony HOME Credit Card?

You'll finish the application on Synchrony Bank / Synchrony Financial's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Synchrony Bank / Synchrony Financial’s site
Questions

Questions about the Synchrony HOME Credit Card

How much is the Synchrony HOME Credit Card annual fee?

The Synchrony HOME Credit Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Synchrony HOME Credit Card earn?

We could not verify the Synchrony HOME Credit Card's earn rates, so we do not print a multiplier. Check them on Synchrony Bank / Synchrony Financial's own site.

What network is the Synchrony HOME Credit Card on?

We hold no card network on record for the Synchrony HOME Credit Card. The network determines where a card is accepted and which network-level benefits apply, so confirm it with Synchrony Bank / Synchrony Financial before you apply.

Is the Synchrony HOME Credit Card available in United States?

Yes — the Synchrony HOME Credit Card is issued by Synchrony Bank / Synchrony Financial and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Synchrony HOME Credit Card figures last checked?

We checked its annual fee in October 2026 and its purchase APR in October 2026, each against a published document. Not yet checked with Synchrony Bank / Synchrony Financial: credit requirement. We could not verify, so we do not print: foreign transaction fee, earn rates and welcome offer. Check them with Synchrony Bank / Synchrony Financial. Terms can change without notice, so confirm the current details with Synchrony Bank / Synchrony Financial before you apply.