Synchrony Card

Shop our unbeatable deals now, 

take it home today*

with a Synchrony Retailer Credit Card.

Apply Today

Up to 12 months of promotional financing every day*

on in-store purchases of $299 or more made with your Home Surplus credit card.

learn more

Great Benefits

  • A dedicated credit line to use again and again at Home Surplus*
  • 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
  • Cardholder-only special offers

Frequently Asked Questions


What is the Home Surplus Credit Card?

Synchrony offers customers a credit card through Synchrony Bank with a revolving credit line to use again and again at Home Surplus locations.

How do I get a Synchrony Credit Card?

You can apply for a Synchrony Credit Card* at any of our convenient locations. Click here to find our locations.

Where do I check the status of my account?

To check the status of your Synchrony Credit Card click on the Manage My Account link above to go to Synchrony Financial’s 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 Credit Card?

Home Surplus offers three convenient ways to pay your Synchrony Credit Card bill.

  • Pay Online: Click here to manage your account and make payments online.
  • Pay by phone: Contact Synchrony Bank Customer Service at 1-866-396-8254 during the hours listed below to make a payment by phone.

M – F – 7:30 am to 12:00 midnight EST

Sat: 10:00 am to 7:00 pm EST

Sun- Closed

  • 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

Got Questions?

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* Subject to credit approval. Minimum Monthly Payments Required. See store for details. We reserve the right to alter or discontinue these offers at any time. Credit is extended by Sychrony Bank