A dedicated credit limit that can be used again and again at Home Surplus and Synchrony HOME™ partner locations**
Convenient monthly payments
Payment options- online or by mail
Access 24/7
Make payments
View your balance
Update account info
Schedule up to your next 12 payments
Easy Use
Use your card for future purchases of products we offer**
No expiration date
Your Questions Answered
What is the Synchrony HOME™ Credit Card?
We offer customers a credit card through Synchrony Bank with a revolving credit limit to use again and again everywhere the Synchrony HOME™ Credit Card is accepted, including our locations.** See our locations listed at the bottom of this page.
How do I apply for the Synchrony HOME™ Credit Card?
You can apply for a Synchrony HOME™ Credit Card online or at any Synchrony HOME partner location.
Where do I check the status of my account?
To check the status of your Synchrony HOME™ Credit Card account, click on the Manage My Account link above to go to the Synchrony Bank website. After logging into your account, you will be able to:
oMake a payment
oView your balance
oUpdate your account information
oSchedule up to your next 12 payments
How can I make a payment on my Synchrony HOME™ Credit
Card?
There are three convenient ways to pay your bill.
oPay Online: Click here to manage your account and make payments online.
oPay by phone: Contact Synchrony Bank Customer Service 1-844-335-5909 during the hours listed below to make a payment by phone.Monday – Sunday 7:30 am to 12:00 midnight EST There may be an additional fee to make an expedited payment by phone.
oPay by Mail: Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.
*No interest if paid in full within 6 or 12 months on qualifying purchases with your Synchrony HOME™ credit card. 6 months on purchases of $299–$1,998.99 or 12 months on purchases of $1,999 or more. Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The promo balance is equal to the promo purchase amount and any related optional debt cancellation fees. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length, and payment allocation. Regular account terms apply to non-promo purchases and, after the promo period ends, to the promo balance. New accounts as of 07/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
