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The Synchrony HOME Credit Card

Extend your budget. Apply today for special promotional financing and everyday benefits.

*Subject to credit approval. Terms and conditions apply.

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Financing Details

Synchrony Home requires that all online orders must have the same billing and shipping / delivery address.

Orders placed online and in-store are charged at the time of purchase.

Current Promotions

On product purchases of $299 or more made with your Synchrony Home credit card 2/15/22 - 7/31/22. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 Months. Minimum monthly payments required.
Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promo purchase amount in full within promotional term. If you do not, interest will be charged on the promo purchase from the delivered date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments ma or may not pay off purchase by end of promotional period. Regular account terms to on-promotional balance. For new accounts: Purchase APR is 29.99%: Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

Synchrony FAQs

Howard’s Credit Card Frequently Asked Questions

What is the Howard's Appliances Synchrony HOME Credit Card?

Howard’s Appliances offers customers a flexible buying option via a credit card through Synchrony Bank.

The Synchrony HOME Credit card extends a revolving credit limit to use again and again everywhere the card is accepted, including Howard’s Appliances locations.

How do I apply for a Howard's Appliances Synchrony HOME Credit Card?

Visit the Howard’s Financing page to learn about the Howard’s Synchrony HOME Credit Card and Progressive Leasing options. Once you’ve decided which financing option fits your needs, begin your application to jumpstart your next project.

You can apply for a Howard’s Appliances HOME Credit Card online (Click here to apply online) or find your nearest participating store location and apply in-person.

Where do I check my Howard’s Synchrony HOME Credit Card account status?

To check your Howard’s Appliances Synchrony HOME Credit Card account status, log into your MySynchrony account at

After logging into your My Synchrony account, you will be able to:

  • Make a credit card payment
  • View your account balance
  • Update your Howard’s Synchrony HOME Credit Card account information
  • Schedule up to 12 future payments

How can I make a payment on my Howard’s Appliances 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
  • 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

How do I avoid paying interest on my Howard’s credit card?

You must pay off the full promotional financing balance by the end of the promotional period to avoid paying interest on that balance. You may have to pay more than your minimum due on your monthly credit card statement to do so.

If you have only one promotional balance, an easy way to do this is to divide the promotional balance by the promotional period and pay each month.

REMINDER: You must pay at least the minimum payment amount each month.

What should I do if my Howard’s credit card is lost or stolen?

To report a lost, stolen, or card that was never received, log into your Synchrony account, select the Report a Lost or Stolen Card option under the Resources Menu. You can also call Synchrony’s automated phone system to report your card lost or stolen. Available 24 hours a day. Call 877-295-2080. For your protection, Synchrony will close your account and issue you a new account number. Please report any unusual account activity to Synchrony customer service.

What should I do if I have a dispute?

To begin a dispute, you may call the number on the back of your card or fill out a dispute form. The dispute form can be acquired by contacting Synchrony customer service.

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