The Synchrony HOME™ Credit Card has additional features.
2% cash back on purchases under $299 paid as a statement credit¹.
$0 fraud liability.
No annual fee².
Check your balance and pay your bill on the go with the Synchrony HOME™ mobile app³.
Frequently Asked Questions
1. What happens if I don’t qualify for the first offer?
If you do not qualify for the first offer, you may be presented with a subsequent offer (subject to credit approval) that can be used to complete the purchase. SatisFi from Synchrony works with multiple financing providers to present you with financing solutions that best fit your needs. Once you agree to the terms and accept the offer, you can use the financing solution that you choose to complete your purchase. If you decline the offer, you will be brought back to the checkout process where you can proceed with your order using a different form of payment.
2. Which financial lenders work with SatisFi from Synchrony?
SatisFi from Synchrony works with multiple partners. Synchrony is the primary lender and they are the bank behind the primary offer presented. If you are not approved for this offer, you may be presented additional offers from the other lenders, pending credit approval.
3. How do I pay my bill?
Each financing provider has their own payment process. See card or terms for details. All payments are made to the issuing provider of the offer you select.
Pay Online: Select Manage My Account to set up your online payments.
Pay By Phone: Contact Synchrony Bank Customer Service during business hours at 1-844-335-5909.
Monday – Friday 7:30 AM – 12:00AM ET Saturday 10:00 AM – 7:00PM ET Sunday – Closed.
Pay By Mail: To ensure your payment is on time, mail in advance of the payment due date. Send payment to:
P.O. Box 960061 Orlando, FL 32896-0061
Genesis Credit Accounts
To manage your Genesis Credit Accounts or for more information, please click here
Katapult – formerly Zibby
Katapult makes payments easy for consumers in order to help them be successful with their lease agreement. To help ensure this, payments are collected via the card used for initial payment on consumers’ pay days. See Katapult for more details.
4. If I am approved, what happens next?
You’ll have the opportunity to accept or decline the offer. If you accept the offer, additional information and terms will be provided to you and you can proceed to complete the purchase. If you decline the offer, you will be brought back to the checkout process where you can proceed with your order using a different form of payment.
If you have any further questions, please feel free to contact our Customer Service Team
*Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. These payments equal the total promo purchase amount divided by the number of months in the promo period and rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval by Synchrony Bank. We reserve the right to discontinue or alter the terms of this offer anytime.
¹ Net card purchases (purchases minus returns and adjustments) less than $299 made with the Synchrony HOME Credit Card will earn 2% cash back rewards paid as a statement credit. Statement credits will be issued within 1 –2 billing cycles after qualifying purchase is made. Fees and interest charges do not qualify for rewards. Account must remain open, in good standing, and not become delinquent. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.
² For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2.
³ Data fees may apply.
Lease-To-Own Financing (Katapult):
Katapult offers lease-to-own financing for purchases up to $3,500, subject to approval by Katapult. Katapult is currently available in 46 states and Washington D.C. and not available in Minnesota, New Jersey, Wisconsin, and Wyoming. Please refer to katapult.com/legal for more details.