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DecoGear Financing Options

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Benefits of the Synchrony HOME Credit Card

  • 6 Months Promotional Financing on purchases of $399 or more1
  • Online account management and customer service
  • A dedicated credit-limit for home-related purchases from furniture and decor to appliances and more, with buying power to help you get what you want and need for your home*
  • 12 to 60 Months Promotional Financing on qualifying purchasesat participating Synchrony HOME Retailers
  • No annual fee, free fico credit scores4 and the ability to request a credit limit increase
  • 0 fraud liability and 24/7 secure account management
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* Subject to credit approval.

1 Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Account APR is 29.99%/Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

2 Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See store for details.

3 For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2.

4 FICO® Scores are available by accessing the online account servicing site at Scores are available online only to primary cardmembers with an open account. FICO is a registered of Fair Isaac Corporation in the United States and other Countries.

5 You may be required to provide your annual net income if we do not have your recent information on file.