Synchrony HOME Credit Card is a personal credit card from Synchrony. Application typically pulls a credit report from TransUnion. The annual fee is $0. The ongoing APR is 34.99% after a Deferred interest: No Interest If Paid In Full Within 6 months on purchases of $299–$1,998.99 or 12 months on purchases of $1,999 or more; select partners may offer up to 60 months introductory rate.