Synchrony HOME Card



2019 Launch:
What Retailers Need to Know

Everything you need to know about the transition to Synchrony HOME.

We’re excited to announce new features of the Synchrony HOME Credit Card Program that will launch in 2019.

Customers will be able to use their Synchrony HOME Credit Card for all their home-related purchases, big and small. They’ll earn 2% cash back on purchases under $2991 as a statement credit (funded by Synchrony) and promotional financing for at least 6 months on purchases of $299 or more2. They’ll also be able to take advantage of the longer-term promotional financing you offer at your store.


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

Additional Changes

  • Over 5MM Synchrony HOME cardholders as of June 30, 2019
  • Cardholders can shop anywhere the Synchrony HOME card is accepted
  • Your store name will be featured on the Synchrony HOME card for your cardholders
  • Synchrony marketing and special offers will be rolled out to help drive traffic and sales

Launch Timeline


New cardholder accounts - January 23, 2019
  • Starting January 23, 2019, your new cardholders will receive the new Synchrony HOME Credit Card.
  • The everyday offers of 2% cash back on purchases under $299,1 and 6 months Promotional Financing on purchases of $2992 or more are available.
Existing cardholder accounts - March 2019
  • Eligible existing cardholders will receive a new Synchrony HOME Credit Card starting April 2019.
  • The new everyday offers of 2% cash back on purchases under $299,1 and 6 Months Promotional Financing on purchases of $2992 or more will begin on February 26, 2019.

NOTE: Accounts that are not eligible for reissue will be closed.

Processing Transactions

Learn what’s changing with Synchrony HOME.

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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.