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Retail credit cards and financing

Shop at thousands of your favorite stores and brands we partner with all across the country.

Retail credit cards and financing

Buy now, pay later

Synchrony Pay Later gives you the power to make purchases today and pay them off over time in predictable equal payments.

 Buy now, pay later

Learn about our networks

Shop at thousands of retailers across the country with a Synchrony HOME™ or Synchrony Car Care™ credit card.

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Synchrony Premier MasterCard Wallethub Best Award - 2023 Best 2% cash back card

Earn 2%
cash back* —

with the Synchrony Premier Mastercard®

The Synchrony Premier Mastercard earns you 2% cash back on every single purchase. Yep, even that one.

Apply now
CareCredit a Synchrony Solution
CareCredit a Synchrony Solution

Healthcare financing for you, your family and your pets.

The CareCredit credit card offers flexible financing options to help you pay for a wide range of health and wellness costs including medical, dental, vision, pet care, and more.

For your business

Big impact for your customers

For your business

Big impact for your customers

Synchrony provides payment solutions your customers can count on so you can focus on what matters — your business.

Your business is our business

You give your customers what they need and want in life. We give them a way to pay for it. See how we do it.

Big solutions for small businesses

We offer tools, resources, and a range of solutions for small businesses.

Questions?

Contact us to learn how our consumer financing products can help you attract more customers and increase sales.

Credit offers cannot be combined.

 

No Interest for 72 Months

 

On in-store qualifying purchases made with your Ashley Advantage® Synchrony credit card at participating locations from 4/29/2025-6/2/2025. Equal monthly payments required for 72 months. Minimum purchase may be required. Down payment up to 30% may be required on another payment type for in-store purchases. Promo fee of 2% of amount financed will be included in required monthly payments. 

 

‡‡Not combinable with other offers and discounts. Excludes Samsung appliances and electronics. If any down payment is required, the qualifying purchase amount is determined prior to any down payment, taxes or delivery. See a sales associate for details on required down payment. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery, or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on amount financed (including related promo fee) and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial amount financed, (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. Any estimated monthly payments may be shown as rounded up to the next whole dollar (for ease of display) or may be shown rounded up to the next cent. See your billing statement for your actual required equal monthly payment, which will be rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months' rounding. Regular account terms apply to non-promo purchases. New Accounts: As of 7/16/2024 Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. 

 

For more information on our Regular Price, see store associate or visit ashleyfurniture.com. Discounts from Regular Price may apply based on payment method and terms which may be considered a finance charge. See store for promotional options and details.

 

*Based on 2024 average new policyholder data for Accident & Illness Plans, pets aged 0-10.

 

An affiliate of Synchrony Bank holds a minority equity interest in Independence Pet Holdings. 

 

Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address. For terms and conditions visit: https://www.petsbest.com/policy.  Products are underwritten by American Pet Insurance Company (NAIC #12190), or Independence American Insurance Company (NAIC #26581), and administered by Pets Best Insurance Services, LLC, (NPN #8889658, CA agency #0F37530).

 

*DISCLOSURES:

ANNUAL PERCENTAGE YIELD (APY): All APYs are accurate as of .

APYs are subject to change at any time without notice. Offers apply to personal accounts only. Charges for specific services may reduce earnings. For High Yield Savings Accounts, the rate may change after the account is opened. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time.

*Subject to credit approval. Minimum monthly payments required. Gas station purchases are not eligible for Promotional Financing. For Promotional Financing details click here

NATIONAL AVERAGE: National Average APYs are based on specific product types of top 50 U.S. banks (ranked by total deposits) provided by Curinos LLC as of 05/01/2025. High Yield Savings Rates: Average APYs are based on High Yield Savings Accounts of $10,000. Curinos data is obtained from public sources; accuracy and completeness is not guaranteed. Curinos is not liable for reliance on the data.

FDIC INSURANCE: up to $250,000 per depositor, per insured bank, for each ownership category.

Account Opening Offer: Subject to credit approval. To apply, you must be a Verizon wireless Account Owner or Account Manager on an account with up to 12 phone lines max (depending on plan) or Fios Account Owner with at least one active Fios service. In order to qualify for this offer, you must (i) apply and be approved for a Verizon Visa Signature® Card account; (ii) make your first purchase within 90 days to receive a $50 statement credit, and(iii) make $1,500 in qualifying purchases within the first 90 days of account opening to receive the $100 statement credit. Only one offer per account. Account must remain open and in good standing at time statement credit is applied to the Account. A $50 statement credit will post to account 1-2 billing cycles after first purchase is made. A $100 statement credit will post to account 1-2 billing cycles after the spend threshold of $1,500 is met within 90 days. Statement credit(s) cannot be used to satisfy the required monthly payment on your credit card account and may not be redeemed for cash or cash equivalent. This offer is available for applicants who are approved starting 1/23/2025. We reserve the right to discontinue or alter the terms of this offer at any time. Limited time offer.

*Based on 2024 average new policyholder data for Accident & Illness Plans, pets aged 0-10.

An affiliate of Synchrony Bank holds a minority equity interest in Independence Pet Holdings.

Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address. For terms and conditions visit: https://www.petsbest.com/policy. Products are underwritten by American Pet Insurance Company (NAIC #12190), or Independence American Insurance Company (NAIC #26581), and administered by Pets Best Insurance Services, LLC, (NPN #8889658, CA agency #0F37530).