Synchrony · Mastercard

At Home Insider Perks Mastercard®

Credit $25 Bonus

$0 Annual Fee

21.24%–31.24% Variable Purchase APR

25 Welcome Bonus

670+ Recommended FICO

Cash Back Reward Type

Welcome Bonus

$25

Welcome Bonus

Rewards

Reward TypeCash Back

Base Rate1x / 1%

Bonus RateUp to 5x

Expirationvalid for 90 days from the date of issuance.

Redemption NotesRewards are issued in $5 increments.

Category	Rate	Type	Cap
At Home Purchases Net Purchases made at At Home stores or athome.com	5x	Points	No cap
Gas Net Purchases made at gas stations	2x	Points	No cap
Groceries Net Purchases made at grocery stores	2x	Points	No cap
All Other Purchases All other Net Purchases everywhere else Mastercard is accepted	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The At Home Insider Perks Credit Card does not charge an annual fee.	Financial	$0 Up to $0
Special Financing Offers Cardholders may be eligible for special financing offers on qualifying purchases made with the At Home Insider Perks Credit Card. Specific terms and conditions apply to each offer.	Financing	Varies by offer
Birthday Offer Cardholders receive a special offer during their birthday month. Specific offer details may vary.	Lifestyle	Varies
Standard Mastercard Benefits Cardholders enjoy the standard benefits associated with being a Mastercard cardholder. Specific benefits are governed by Mastercard's terms and conditions.	Network Benefits	Varies by Mastercard tier and specific benefits
At Home Purchase Rewards Cardholders earn 5% back in rewards on all eligible purchases made at At Home stores using the At Home Insider Perks Credit Card. Rewards are issued as certificates.	Rewards	5% back in rewards
Early Access to New Products Cardholders receive early access to new products introduced by At Home.	Shopping	Early access
Exclusive Savings Events Access Cardholders receive access to exclusive savings events offered by At Home.	Shopping	Access to exclusive events
First Purchase Discount Cardholders receive a 10% discount on their first purchase made with the At Home Insider Perks Credit Card.	Shopping	10% off

Interest Rates

Purchase APR21.24%–31.24% Variable

Balance Transfer APR31.24%

Cash Advance APR31.24%

Penalty APR39.99%

Min. Interest Charge$2

Deferred Interest Warning: If you make a qualifying purchase under a deferred interest promotion, interest will be imposed on the promotional purchase from the date of purchase if you do not pay the promotional purchase amount in full by the end of the promotional period. To avoid interest, you must pay the promotional purchase amount in full by the end of the promotional period.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Co-ApplicantNot allowed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 6 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, excessive cumulative credit limit across Synchrony accounts, defaulting on other Synchrony products, sudden and uncharacteristic spending patterns inconsistent with historical behavior, repeated balance transfers without new organic spend, or suspected fraudulent activity.

Cliff Effect Rules

Synchrony does not typically enforce 'cliff effect' rules based on card families in the same manner as some other major issuers. Eligibility for each card product is generally assessed independently, though overall credit exposure and recent account openings with Synchrony may influence new approvals or credit limit decisions.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility for the At Home Insider Perks Mastercard requires applicants to have good to excellent credit (typically FICO 670+), no active bankruptcies, and generally no more than 2 new Synchrony accounts opened within the last 6 months. Applicants must be 18 years or older and a US resident. New cardholders are eligible for a welcome bonus, typically a $50 statement credit after spending $500 within the first 90 days of account opening, plus an additional 10% off their first At Home purchase made within 30 days of card activation.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Synchrony

Annual Fee

Apply Now

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Welcome Bonus $25

APR 21.24%–31.24% Variable

More Synchrony Cards

At Home Insider Perks Mastercard®

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary