The Synchrony is a personal credit card from Synchrony. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 33.49% variable (new accounts as of 10/01/2026). Signup bonus: 15% off your first At Home purchase when you open a new account (subject to credit approval, one offer per customer). Rewards: 6% back on At Home purchases under $350 per year, 7.5% back on At Home purchases of $350 or more per year, and 3% back everywhere Mastercard is accepted. This product reports activity to your personal credit report. Foreign Txn Fee: Not explicitly mentioned (typically store cards ar. Pre-qualification available (soft pull)