YOUR CARD COLLECTION
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Insider Perks points (500 pts = $5 certificate)
Added 2026-10-29 (Synchrony sweep). 5 pts/$1 (5%) at At Home, and 3 pts/$1 (3%) everywhere else per At Home's own rewards terms (some calculators split it as 3% grocery / 1% else, matching the card's older structure — flagged for re-check). 3% foreign transaction fee (terms as of 2026-01-01). Certificates capped at 4/month with 90-day expiry.
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| At Home purchases | 5 pts/$1 (5%) | — | 500 pts = $5 certificate (max 4/month, 90-day expiry) |
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Insider Perks points
15% off your first purchase when you open the card.
Dollar estimate unavailable: the offer is unconfirmed, has no fixed amount, has incomplete qualifying terms, has multiple stages, or lacks a usable valuation. No missing value is treated as $0.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Synchrony application rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
First-purchase discount only. Outside-At-Home earn follows At Home's own terms (3 pts/$1) — see the Cards note on the conflicting calculator split.
Offer type, as listed: Public — first-purchase discount