SynchronyChecked Oct 4, 2026

Synchrony HOME Credit Card

No annual fee. Purchase APR 34.99%.

Annual fee: Issuer's pagesynchrony.com
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026Open on synchrony.com Report a problem
Purchase APR: Issuer's pagesynchrony.com
“For new accounts as of 7/31/2025: Purchase APR 34.99%.”
Checked Oct 4, 2026Open on synchrony.com Report a problem
Foreign transaction fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

The spending each assumes, a month

Light spender: groceries $300, dining $100, gas $100, everything else $500
Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Rates and fees for the Synchrony HOME Credit Card, each with its source
Annual fee	Issuer's pagesynchrony.com The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026Open on synchrony.com Report a problem
Purchase APR	Issuer's pagesynchrony.com “For new accounts as of 7/31/2025: Purchase APR 34.99%.” Checked Oct 4, 2026Open on synchrony.com Report a problem
Penalty APR	Issuer's pagesynchrony.com “Penalty APR 39.99%.” Checked Oct 4, 2026Open on synchrony.com Report a problem
Foreign transactions	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Minimum interest charge	Issuer's pagesynchrony.com “Min Interest Charge $2.” Checked Oct 4, 2026Open on synchrony.com Report a problem

Everyday promotional financing: 6 months on qualifying purchases of $299 to $1,998.99.
Everyday promotional financing: 12 months on qualifying purchases of $1,999 or more.
Select Synchrony HOME retail partners may offer promotional financing of up to 60 months on qualifying purchases.
$0 fraud liability.
Free access to your credit score for primary cardholders with an open account through the online account service site.
Ability to request a credit increase.
24/7 secure online account access with customizable account alerts.
MySynchrony mobile app available on iOS and Android.
Accepted at thousands of Synchrony HOME partner retailers nationwide.

What is the annual fee?: No annual fee synchrony.com, since Sep 29, 2026
Does it charge a foreign transaction fee?: Yes: 3%. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?: 34.99% APR synchrony.com, since Sep 29, 2026

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).