Design It, Buy It, & Take It Home Today 

with a Synchrony HOME™ Credit Card!**

Finance your next home renovation project today!

Home Surplus offers everyday promotional financing options with the Synchrony HOME™ Credit Card.

promotional financing on purchases of
$299-$1998.99 with the
Synchrony HOME™ Credit Card*

promotional financing on purchases of
$1999 or more with the
Synchrony HOME™ Credit Card*

See if you prequalify

Get a decision in seconds with no impact to your credit score.

Apply Now

Click here if you are ready to apply for a Synchrony HOME™ Credit Card.

Manage Your Account

Already a Synchrony HOME™ Credit Cardholder? Login to manage your account.

Great Benefits

  • A dedicated credit limit that can be used again and again at Home Surplus and Synchrony HOME™ partner locations**
  • Convenient monthly payments
  • Payment options- online or by mail

Access 24/7

  • Make payments
  • View your balance
  • Update account info
  • Schedule up to your next 12 payments
  • And more

Easy Use

  • Use your card for future purchases of products we offer**
  • No expiration date

Frequently Asked Questions

What is the Synchrony HOME™ Credit Card?
We 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 our locations.**See our locations listed at the bottom of this page.

How do I apply for the Synchrony HOME™ Credit Card?
You can apply for a Synchrony HOME™ Credit Card online or at any Synchrony HOME partner location.

Where do I check the status of my account?
To check the status of your Synchrony HOME™ Credit Card account, click on the Manage My Account link above to go to the Synchrony Bank website. After logging into your account, you will be able to:

  • Make a payment
  • View your balance
  • Update you account information
  • Schedule up to your next 12 payments

How can I make a payment on my Synchrony HOME™ Credit Card?
There are three convenient ways to pay your bill.

  • Pay Online: Click here to manage your account and make payments online.
  • Pay by phone: Contact Synchrony Bank Customer Service 1-844-335-5909 during the hours listed below to make a payment by phone.Monday – Sunday 7:30 am to 12:00 midnight EST
    There may be an additional fee to make an expedited payment by phone.
  • Pay by Mail: Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.
Synchrony Bank
PO Box 960061
Orlando, FL 32896-0061

For more information:
Click Here

*No interest if paid in full within 6 or 12 months on qualifying purchases with your Synchrony HOME™ credit card. 6 Months on purchases of $299 – $1,998.99 or 12 months on purchases of $1,999 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. 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 Accounts as of 07/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

**Subject to credit approval.