Synchrony HOME Credit Card | MySynchrony (2024)

FAQs

What type of card is synchrony home? ›

You can use your Synchrony Home Credit Card at the 30+ partner stores that participate in Synchrony's "Home Program." The Synchrony Home Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.

The Synchrony Premier World Mastercard®, which offers 2% cash back on every purchase to individuals with excellent credit (FICO scores of 720 or higher). The Synchrony Plus World Mastercard, which is designed for those with at least good credit (scores of 690 or higher) and earns 1% cash back on every purchase.

Yes, you can use your Synchrony credit card at Walmart as long as it is backed by a major credit card network like Visa or Mastercard. Synchrony mostly offers store credit cards and general-purpose co-branded credit cards.

Good News for Amazon Lovers

Now, let's get to the burning question: Can you use your Synchrony Credit Card on Amazon? The answer is a resounding YES!

From headlight to tail light. Use your Synchrony Car Care™ credit card for everything your car needs to stay on the go, including gas, tires, brakes, car repairs, maintenance, and more!

You will only be able to use your Synchrony card for cash withdrawals if it has a Visa or Mastercard, but even then, take a second look at whether it's worth it or not, because credit card cash advances are ridiculously expensive.

More about Synchrony: Synchrony Bank is owned by Synchrony Financial, a Stamford, Connecticut-based consumer financial services company.

Synchrony Bank, an issuer of retail credit cards, has agreed to pay $2.6 million to settle a lawsuit alleging that the company made prerecorded calls to consumers' cell phones without their consent, regarding accounts they did not have. You may be eligible for payment if you received such a call since Oct. 16, 2020.

In general, you can't pay your monthly credit card bill using another credit card. If you're set on using a credit card, you might be able to pay with a balance transfer or cash advance, but they can be risky and add to your debt. A balance transfer may offer a promotional period that could save you money in interest.

Can I use my synchrony card for gas? ›

Where can I use my Synchrony Car Care™ credit card? The Synchrony Car Care™ credit card is accepted at gas stations and auto parts and service businesses nationwide. A complete list of participating retailers and gas locations can be found online here.

As an online-only bank, Synchrony can't compete with legacy banks that have thousands of physical locations, and it doesn't offer a checking account. But those seeking high-yield savings and CD accounts will find that Synchrony's options are generally more competitive with some of the best bank offerings on the market.

The card only works at Synchrony's partner stores

The Synchrony card can be used at more than 16,000 partner retailers including Bassett, Conn's Home Plus and Mattress Warehouse. Use Synchrony's store locator to find merchants that accept the Synchrony Home credit card.

While credit scores are very important, Synchrony Bank credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. Synchrony Bank will also look at existing debts when considering your application.

The Synchrony Car Care credit card isn't designed to be your everyday card. It's accepted only at select gas stations, auto parts stores and auto repair shops nationwide. The card's website provides a locator map to search for participating merchants in your area.

With the card, you can pay down purchases interest-free for a set period of time, and Rooms to Go offers several repayment time frames. As with other store cards designed for financing, the Rooms to Go Credit Card, issued by Synchrony Bank, can be used in-store only and isn't meant for other purchases.

Best Buy Home Furnishings 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 Best Buy Home Furnishings locations.