§Any suggested equal monthly payment shown (which does not include taxes and delivery) in connection with this promotional offer may be greater than the required minimum monthly payment that will be charged on your billing statement; equals the amount financed divided by the number of months in the promo period; and would pay off the amount financed within the promo period, but only if there are no other balances on your account at any time during the promo period and you make your payments on time. In such event, your total payments will equal the amount of the amount financed. 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. For New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer any time.

9.99% APR with 48 fixed monthly payments†

On purchases made with your Synchrony HOME™ Credit Card.

†Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 2.5358% of initial total promo purchase amount, 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. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Any estimated required monthly payment shown (which does not include taxes and delivery in connection with this promotional offer) should allow you to pay off the amount financed within the promo period if (1) you make your payments by the due date each month and (2) this is the only balance on your account during the promo period. If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. The sum of the required monthly payments will equal the cost of the amount financed and any amounts shown are estimates only.  Regular account terms apply to non-promo purchases. For New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.  We reserve the right to discontinue or alter the terms of this offer any time.

See if you prequalify

Get a decision in seconds with no impact to your credit [bureau] score

See if you prequalify for a Synchrony Home credit card

• Prequalifying does not affect your credit [bureau] score

• Get a decision in seconds

• If qualified, you can apply immediately