Our illustration in the card’s colours, not its design
Synchrony credit card
Synchrony HOME Credit Card
No annual fee. Purchase APR 34.99%.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · synchrony.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · synchrony.com
“For new accounts as of 7/31/2025: Purchase APR 34.99%.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Benefits
- Everyday promotional financing: 6 months on qualifying purchases of $299 to $1,998.99.
- Everyday promotional financing: 12 months on qualifying purchases of $1,999 or more.
- Select Synchrony HOME retail partners may offer promotional financing of up to 60 months on qualifying purchases.
- $0 fraud liability.
- Free access to your credit score for primary cardholders with an open account through the online account service site.
All 9 benefits
- Ability to request a credit increase.
- 24/7 secure online account access with customizable account alerts.
- MySynchrony mobile app available on iOS and Android.
- Accepted at thousands of Synchrony HOME partner retailers nationwide.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · synchrony.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · synchrony.com “For new accounts as of 7/31/2025: Purchase APR 34.99%.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Issuer's page · synchrony.com “Penalty APR 39.99%.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · synchrony.com “Min Interest Charge $2.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- No annual fee · synchrony.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3%. · Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 34.99% APR · synchrony.com, since Sep 29, 2026