Synchrony Home Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and customer service info for The Synchrony Home Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Synchrony Home Credit Card has a rating of 2.5/5 according to our proprietary credit card rating system. This rating reflects how appealing Synchrony Home Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit by Paying in Full Each Month'. To break it down further, Synchrony Home Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.3/5 for Cost, and 3.0/5 for User Reviews. Info about the Synchrony Home Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.0/5
234 reviewsRead and write reviews
Market Comparison
Market Comparison
2.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.3
Other Features
0.0
2.5/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
29.99%
Balance Transfer
Balance Transfers Not Allowed
Synchrony Home Credit Card's Additional Info
Special financial available at participating retailers.
Shop at 20,000+ participating retail locations.
Find retailers and their locations that accept the Synchrony Home credit card. Use the power of this card to help make your home uniquely yours.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.0
Market Comparison
2.5
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 0.0
3.7WalletHub Rating
WalletHub Rating
3.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.7
Market Comparison
3.5
fees: 5.0
rewards: 3.0
cost: 3.6
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Synchrony Home Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can use your Synchrony Home Credit Card at the 30+ partner stores that participate in Synchrony's "Home Program." The Synchrony Home Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations. You can find a participating store near you through Synchrony's website.
Where You Can Use Your Synchrony Home Credit Card
Abt
America's Mattress
American Mattress
Bassett
Big Sandy Superstore
Cardi's Furniture & Mattresses
Carpet One Floor & Home
Conn's HomePlus
Electronic Express
Flooring America
Freedom to Ride
Furniture Fair
Furniture Warehouse
Hank's Fine Furniture
Howard's
Hudson's Furniture
Jerome's Furniture
Kittle's Furniture
Lovesac
Mancini's Sleepworld
Marlo Furniture
Mattress Firm
Mattress Warehouse
Metro Mattress
Mohawk
Morris Furniture Company
Ortho Mattress
Regency Furniture Showrooms
Relax The Back
Sam Levitz Furniture
Sit 'n Sleep
Warners' Stellian
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Synchrony Home Credit Card offers accountholders deferred-interest financing deals. The card also has a $0 annual fee. So, it might be worth getting for people who shop at the card's affiliated retailers often.
The Synchrony Home Credit Card customer service number is (866) 396-8254. You may call this number any day of the week, from 8 a.m. until 12 a.m. After dialing, say or enter your account or card number. If you're not already a customer, just follow the prompts until you're given the option to say “customer service”. You will then be transferred to a live Synchrony Bank representative who should be able to answer your questions or direct you to...
No, you cannot use your Synchrony Home Credit Card at Lowe's, as this isn't one of the 35 retailers that participate in the issuer's “Home Program.” This program includes brands like Abt, Cardi's, and Furniture Warehouse that sell furniture, mattresses, electronics, and appliances among other things. You can use your Synchrony Home Credit Card to make purchases at these retailers at a special price.
If you're looking for a store card to use at Lowe's, you could check out the Lowe's Store Card....
Cardholders can set up Synchrony Home Credit Card automatic payments through their online account or the Synchrony Bank mobile app. Calling customer service at (877) 295 2080 also is an option. Once you're enrolled, Synchrony Bank will withdraw the payment amount from your linked bank account on the scheduled date.
How to Set Up Synchrony Home Credit Card Automatic Payments:
Log in to your online account via the Synchrony Bank website or mobile app.
Your new Synchrony Home Credit Card will be ready to make purchases in just a few minutes, no matter which method you use to activate it. Synchrony Bank does not have a certain time limit to activate your card, but it's best to do it as soon as possible.
Share your insights and review for the Synchrony Home Credit Card
5
42%
4
9%
3
4%
2
5%
1
39%
3.0
117 reviews
117 reviews
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Anurag Khanal @AK123
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1 Star Rating
They completely took advantage of us. My parents, due to their language barrier, were misled when they went to buy furniture. They were told they could pay it off with no interest, but what they didn't know was that there was an 18-month promotion which essentially accumulates all the interest and charges you after 18 months if the full payment has not been made. I contacted everyone I possibly could to have that payment waived. The total price was $6,000, and after 18 months of payments, our balance went back to over $6,000 because they charged us $3,000 in interest at once, plus monthly interest. Now I'm trying to pay the full amount, but they are not willing to waive the accrued interest. We don't have $6,000, and we thought we had time to pay it off slowly, but no, they trap you like this, so be careful.
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Rhonda Emineth @rhondaemineth
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5 Star Rating
Verified Customer
Love this card for many reasons and I guess the most popular with me would be that it is available to use many places. I didn’t know this for a long time and when I found out I felt like it was such a clever idea and shows how valuable this card really is.
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0
0
Jason @jasonr_118
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5 Star Rating
Verified Customer
Allowed me to get a better bed, linens, and pillow. And pay it off over a 3 year period with no interest. And, the first 3 months I only have to pay 1 dollar.
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0
0
Michael @mruggiera2
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1 Star Rating
Verified Customer
Does not report to credit agencies fast enough. We spent $3000 on furniture and paid off the account a few days later only for it to be reported and sit on my credit reports for months, affecting my credit score. I'm never using this card again.
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1
0
Joshua @jdcordell86
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2 Star Rating
Verified Customer
Cant use card just anywhere. Only select locations. Changed my credit limit from 3400 to 1900, which is what I owed on my balance. Made my Utilization be at 100% which further reduced my score. Charging me 30% interest now. Shady bank with unfair practices to only benefit them.
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2
0
Mike @bulldogz4300
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1 Star Rating
Verified Customer
Still waiting for a bill, Mattress firm's mistake is really making things crappy. I had better not receive a late or missed payment. Today is 8/1/23
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1
0
Roishaun Finks @ceokeilee
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1 Star Rating
Verified Customer
This card been a nightmare I was listening to a friend instead of doing my on research on the card but I’m learning more as I go the better your credit the better card opportunities come your way
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anthony @anthonyp_233
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5 Star Rating
Verified Customer
zero interest for one year, so i can buy a mattress for $500 and just pay $100 a month for 5 months and it will still be just $500
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0
Harry @dhamblett
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5 Star Rating
Verified Customer
This was an excellent opportunity to finance mattress and box springs o % interest. Nor a credit card but sync has been excellent to work with.
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2
tammy @tammyk_37
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1 Star Rating
Verified Customer
I've had this card for going on 3 years now. They keep shutting my accounts down or lowering my limit because I don't have a secured home loan. This company is a joke.
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Best Buy® Credit Card, Home Depot® Credit Card, Mattress Firm Credit Card, Discount Tire Direct Credit Card, Synchrony Home Credit Card, and Lowe's Store Card
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