USES

At Home Insider Perks® Mastercard® from Synchrony Bank Review

At Home Insider Perks® Mastercard® from Synchrony Bank — all information about the credit card.

Updated November 30, 2023
Advertiser Disclosure Our Methodology
Synchrony Bank At Home Insider Perks® Mastercard®
Apply now
Our Rating:
2.75 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Points on At Home purchases.
    • 3x Points on grocery store purchases.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 10x Points on your first purchase when you open an account.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    32.24% Variable
  • Balance Transfer APR:
    None
Show more

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Synchrony Bank At Home Insider Perks® Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5X
At Home purchases
$
3X
Groceries
$
1X
All other purchases
$
Have you already recieved the Synchrony Bank intro bonus?
How would you like to redeem points?
Calculate
Your Results
Total yearly earnings
First year rewards
$108
Rest years rewards
$108
Annual fee
$0
Yes, Synchrony Bank At Home Insider Perks® Mastercard® credit card is worth its annual fee!
How to maximize your Synchrony Bank At Home Insider Perks® Mastercard® rewards?

Follow these simple steps to make the most of Synchrony Bank At Home Insider Perks® Mastercard® credit card:

  • Spend more on At Home purchases
  • Redeem most of your points for Purchases in At Home Store (rewards certificates)
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Synchrony Bank At Home Insider Perks® Mastercard®.

Your net profit in the first year
$108.1
cup of coffee x40
Your net profit in subsequent years
$108
cup of coffee x40
Show less details
You will receive 10,810 points in the first year (equivalent to $108)
Where you get the most profit
  • At Home purchases
  • Groceries
  • All other purchases
  • Into bonus
At Home purchases
$60
Groceries
$36
All other purchases
$12
Into bonus
$0.1
Total
$108
Annual fee
$0
Net yearly credit card profit
$108.1
You will receive 10,800 points in the rest years (equivalent to $108)
Where you get the most profit
  • At Home purchases
  • Groceries
  • All other purchases
At Home purchases
$60
Groceries
$36
All other purchases
$12
Total
$108
Annual fee
$0
Net yearly credit card profit
$108

All benefits

  • Points
    • 5x On At Home purchases.
    • 3x On grocery store purchases.
    • 1x On all other purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 32.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • 32.24% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 23 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • High APR
  • Foreign Transaction Fee
  • No Intro Period

Features

Classic
Mastercard
Contactless
  • No Annual Fee
  • Payment Flexibility
  • Rewards
  • Bonus points
  • Purchase Protection
  • Good Credit
  • Excellent Credit

About the issuer

Synchrony Bank
Synchrony Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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Synchrony Bank At Home Insider Perks® Mastercard® is an option for those, who need Classic features. With an APR of 32.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Synchrony Bank At Home Insider Perks® Mastercard® you will get such features as No Annual Fee, Payment Flexibility, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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