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Last Updated: 07/28/2025

At Home Credit Card

Q: Does At Home credit card have a cash back or rewards program?

No, it does not offer a rewards program. Free Credit Score, Zero fraud liability, and Reports to major credit bureaus

from Synchrony Bank

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Rating not yet determined4 total votes

4 users don't recommend

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Highlights

Purchase APR (Variable APR)

Up to 29.24%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

680 - 850

Annual Fee

N/A

At Home Credit Card Review

This is a store card issued by Synchrony Bank. If you're wondering whether At Home Credit Card is the right card for you, read on.

Key Takeaways

Good or excellent credit required. You will have low approval odds if your credit score is below good.

Pros & Cons of At Home credit card

The Good

The Bad

10% Off Welcome Offer when you join
Birthday Bonus gift on your birthday
Special financing options available.
$5 reward for every $100 spent at any At Home store
Free access to your credit score.
At Home Credit Card reports to multiple credit bureaus.

High interest rates.
You need good credit to qualify.
N/A
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.

At Home credit card FAQ

Does At Home credit card have a cash back or rewards program?

No, it does not offer a rewards program.

At Home credit card Rewards Breakdown

Description

Free Credit Score
Zero fraud liability
Reports to major credit bureaus

What are the relevant APRs for At Home credit card?

It has a variable purchase APR of up to 29.24%. At Home Credit Card does not offer balance transfers.

Does At Home credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers. At Home Credit Card does not offer balance transfers.

Does At Home credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for At Home credit card?

At Home Credit Card Fees

Description

Late Fee Amount

Up to $38

N/A.

What is the customer service phone number for At Home credit card?

The customer service number for At Home credit card is (866) 226-5638.

What is the support contact email for At Home credit card?

The support contact email for At Home credit card is customer.service@mail.synchronybank.com.

How do people rate the customer service and user experience of At Home credit card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does At Home Credit Card report your account activity to credit bureaus?

Yes, At Home Credit Card reports to the following credit bureaus:

Equifax
Experian
TransUnion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Synchrony Bank perform a hard credit pull?

Yes, At Home credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for At Home credit card

Visit the website of At Home credit card.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

777 Long Ridge Rd

Stamford, CT 06905

Visit Site

Email Support

Hours of Operation

Sunday

8:00AM - 12:00AM

Monday

8:00AM - 12:00AM

Tuesday

8:00AM - 12:00AM

Wednesday

8:00AM - 12:00AM

Thursday

8:00AM - 12:00AM

Friday

8:00AM - 12:00AM

Saturday

8:00AM - 12:00AM

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-100

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

At Home Credit Card Community Reviews

Would you recommend At Home Credit Card to your friends?

A R.

Aug 15, 2023

May or may not recommend

High interest rate change and difficult to contact “a person” to help you with your concerns. They offer mostly automated customer service help yet difficult to speak directly to customer service rep

Keasha J.

Aug 7, 2021

May or may not recommend

THIS IS THE WORST CREDIT CAED YOU CAN GET!! I do not recommend them to a damn dog! They constantly change your credit limit (reducing it) so that you constantly are at the top of your spending limit. I paid 1200 on my card just for them to reduce my credit limit after I paid it down to 600$ and then my minimum payment increased! They hold your money for ...Show More

Mary F.

Sep 4, 2020

May or may not recommend

when I first applied for the at home credit card I did not realize every time i used the card it charges a fee like really that's crazy? and u can't even use your points unless u buy something with the credit card makes no sense at all ! i strongly urge that u Educate yourself on this at home credit card so u don't get stuck paying back ...Show More

James T.

Jun 22, 2020

May or may not recommend

Synchrony issues this credit card. No matter how well you maintain the card and no matter your credit score, Synchrony may choose to close the account without reason. Be forewarned: it's not dependable.

Showing 4 of 4 reviews