At Home Design Rewards™ Mastercard® from Synchrony: annual fee, APR and rewards

Fact sheet for the At Home Design Rewards™ Mastercard®, issued by Synchrony, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Synchrony
Network	Mastercard
Annual fee	$0
Rewards	Points: Earn 6% Back in Rewards on At Home purchases when you spend less than $350 annually; 7.5% Back when you spend $350 or more annually; 3% back in Rewards everywhere else Mastercard is accepted. $10 Reward for every 1,000 points earned.
Purchase APR	New Accounts as of 10/01/2026: Variable Purchase APR 33.49%.
Sign-up bonus	15% off your first At Home purchase plus $20 in Bonus Rewards when you apply and are approved between 9/28/26-10/31/26.
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 33.62%, with a range of 33.49% to 33.74%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.