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Heres a full list of Synchrony credit cards, starting with retail stores in this section and covering other types of companies in the later sections. Take note that some of these cards have been discontinued for new applicants, although current cardholders can still log in using the links below. That depends entirely on what Synchrony Financial credit card you own.
Your Synchrony HOME card monthly statement will show the balance for each financing plan, along with its expiration date. You can pay your balance off early and will only be charged interest if you do not pay off the relevant balance within the promotional period. Along with furniture stores and home improvement stores, 3% bonus category choices include gas, online shopping, dining, travel and drug stores. You can change your bonus category choice once per calendar month, making the card ideal if your spending habits change from month to month.
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Choose from thousands of participating home goods retailers and home service providers. The federal government protects your money up to $250,000 per depositor, for each account ownership category, in the event of bank failure. Mattress Warehouse teamed up with Synchrony Financing to provide more flexible payment options to our customers. With more spending power and time to pay, you dont have to wait to get better sleep.
From small routine payments such as gas payments, monthly insurance payments and car washes to large investments like repairs, tire or brake changes and more. You need a longer financing period than you’re likely to find with a traditional credit card that offers a 0% intro APR. The Synchrony HOME Credit Card could be a useful financing tool if you’re facing a lot of expenses related to home goods or services.
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In place of cash back rewards, the Synchrony HOME card automatically gets you 6 months of deferred interest financing on purchases of $299 or more. Your purchases may also qualify for a deferred interest financing period of 12 to 60 months, depending on the promotions the retailer is currently offering. The catch is that you won’t earn any cash back on purchases over $299. Instead, larger purchases are eligible for promotional financing. This means that unless you frequently make smaller purchases with the Synchrony HOME card’s partner retailers, the card is unlikely to offer much rewards value in the long run. The Walmart Mastercard and its in-store credit card are issued by Capital One, and cardholders can earn rewards for shopping at Walmart.
The Synchrony HOME Credit Card could be a big help if you need to finance large purchases across several different home goods stores or service providers. Not only will you have an easier time juggling multiple promotional financing offers, but you’ll also earn decent cash back on modest purchases. Unless you’re positive you can pay off your balance in time, you may be better off with a card that includes a 0% intro APR on purchases and offers more long term flexibility and rewards value.
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If you want to ensure that your purchase is paid before the end of the promotional period , you should schedule additional or larger payments accordingly. Have the flexibility to shop online or in person with many of our partnered retailers, as well as explore our online-only partners that are included in the Synchrony HOME credit card program. We’re sorry, but something went wrong and we couldn’t find your approval odds. Instead, you’ll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards you’re likely to be approved for. We’ll use the last four digits of your Social Security number to get your approval odds. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties.
There are store cards issued specifically for certain retailers, which can only be used at those stores because they’re not affiliated with a card network . Synchrony Bank cards that have a Visa or MasterCard logo, on the other hand, can be used anywhere. We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company.
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Only earns cash back on purchases of less than $299. You will have to have been given these by Mysynchrony Payment Portal Mattress Firm, either on sign up, or by your authority of Mysynchrony Payment Portal Mattress Firm. ADVERTISING CENTERFind tools and resources for effective and compliant marketing of consumer financing. LEARNING CENTERGain the skills to confidently offer financing and better help your customers.
In addition, it is not any company’s responsibility to ensure all questions are answered. Synchrony Home Credit Card can be used at a variety of retailers, including grocery stores, home improvement stores, and online retailers. To avoid paying interest, be sure to pay your promo balance by the promo expiration date. 2If you prequalify, you will have an opportunity to accept the offer and apply for credit which may impact your credit bureau score.
But deferred financing offers can be risky, and the card’s restrictive cash back scheme limits its long-term value. On June 2, 2014, GE Capital Retail Bank changed its name to Synchrony Bank. Synchrony Financial is the parent company of Synchrony Bank. Synchrony Financial has more than 80 years experience in the financial sector and it’s one of the largest provider of private label credit cards in the United States. Rewards rateFor instance, the Lowe’s Advantage Card also issued by Synchrony offers a 5% discount on every eligible Lowe’s purchase.
If that happened you should have received a notice, and you can follow your cards link to learn more. In still other cases, the account may have been taken over by a different card issuer if this happened you should have received a notice. Contact Synchronys customer support according to the instructions above if you have any questions about your account. Our thoughts are with those affected by natural disasters. We are here to support our cardholders and partners in their time of need. If you are impacted, please contact us to discuss how we can help.
Find the retailer and the financing option that’s right for you. Nouri Zarrugh is a staff writer and editor at CreditCards.com and Bankrate Credit Cards, focusing on product news, reviews and recommendations. Also a fiction writer, he won the Keene Prize for Literature and holds an MFA in creative writing from the Michener Center for Writers at the University of Texas at Austin. Long promotional financing offers, with no interest if balance paid off in full. Many people who carry Walmart-branded credit cards reported that their credit scores dropped soon after the retailer switched issuers in October 2019, moving from Synchrony to Capital One. Synchrony Bank, as part of Synchrony Financial, is one of the major issuers of store credit cards in the U.S., along with Comenity Bank.
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