What is Synchrony HOME?

We’re a program that brings thousands of retailers together to provide more opportunities for cardholders to purchase what they need for their home.

Synchrony HOME Card

More Than Financing

Watch our videos to learn more about Synchrony HOME


What Retailers Need to Know

What Consumers Need to Know

“The Synchrony HOME Network gives us the opportunity to broaden our customer base and drive incremental sales. I’m a big fan of it.”

- Larry Zigerelli, CEO, FFO HOME

How Synchrony HOME Works


Over 5 million cardholders in various stages of the shopping journey, can find your store online with locator on app and website. They shop at your store, using their Synchrony HOME credit card. Marketing and more places to use the card help keep them engaged. They return to shop at your store.

More than 5 million cardholders with $22 billion in available credit. Acceptance of all Synchrony HOME credit cards. Promotional financing offers. Inclusion in our Business Locator. Special offers and marketing support.
Accepted at thousands of retailers, from furniture and décor to appliances and more. Dedicated credit limit. CARDHOLDERS ENJOY EVERYDAY BENEFITS, EVERYWHERE THE CARD IS ACCEPTED. 2% CASH BACK on purchases under $299 paid as a statement credit.(1) 6 MONTHS Promotional Financing on purchases of $299 or more.(2) PLUS, YOU CAN OFFER 12-60 MONTHS Promotional Financing

Over 5 million Synchrony HOME cardholders nationwide.


1Net 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.

2Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See store for details.