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None — financing only
Added 2026-10-29 (Synchrony sweep). Closed-network card for Synchrony HOME partner retailers (thousands of home / furniture / flooring locations). No rewards. 6-month promotional financing on $299–$1,998.99, 12 months on $1,999+, longer terms at select retailers. APR ~29.99–34.99%. Promotional financing is mostly deferred interest — interest is retroactive to the purchase date if the balance is not paid in full in the promo window. Many retailer cards in this sweep run on the Synchrony HOME network.
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Everything (flat rate — no bonus categories) | — | — | No rewards program — value is promotional financing / store credit, not an earn rate. |
No standard bonus reported
No public welcome bonus for the Synchrony HOME Credit Card.
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.
Confirmed no public bonus in the Oct 2026 research pass (Synchrony catalog / partner pages).
Offer type, as listed: No sign-up bonus