FR833282333_AT HOME INSIDER PERKS CREDIT CARD 
T&C PLCC PDF WF2011892B
9/2020

SYNCHRONY BANK 
SECTION I: RATES AND FEES TABLE 
AT HOME INSIDER PERKS CREDIT CARD ACCOUNT AGREEMENT 
PRICING INFORMATION

Interest Rates and Interest Charges

The APR for purchases is the prime rate plus 23.74%.

  This APR will vary with the market based on the Prime Rate.

Your due date is at least 23 days after the close of each billing cycle. We will not charge you any 
interest if you pay your entire balance by the due date each month.

If you are charged interest, the charge will be no less than $2.00.

Annual Percentage 
Rate (APR) for 
Purchases

How to Avoid 
Paying Interest

Minimum Interest 
Charge

Fees

Penalty Fees

  • Late Payment

Up to $40.

How We Will Calculate Your Balance: We use a method called “daily balance.” See your credit card account agreement below for 
more details.

SECTION II: RATES, FEES AND PAYMENT INFORMATION 
AT HOME INSIDER PERKS CREDIT CARD ACCOUNT AGREEMENT

How Interest is Calculated

Your Interest Rate

When We Charge 
Interest 

The APR for purchases is the prime rate plus 23.74%. We use a daily rate to calculate the interest on the balance on your account 
each  day.  The  daily  rate  for  purchases  is  the  APR  times  1/365.  As  of  April  1,  2020,  the  daily  rate  for  purchases  was  .07395%  
(APR 26.99%). Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law.

Daily Rates May Vary. The APR and the daily rate on your account vary with the market based on the prime rate. The prime rate for a 
billing cycle is the highest bank prime loan rate published in The Wall Street Journal in its Money Rates section on the last business day 
of the calendar month preceding the first day of the billing cycle.

If the prime rate increases, the daily rate and APR will increase. As a result, interest, your total minimum payment and the number of 
payments it would take you to pay off your account balance may increase. We apply any change in rates because of a prime rate change 
to your entire account balance. A change in the prime rate will take effect on the first day of the first billing cycle after the change. We may 
select a new interest rate index if the prime rate is not available.

We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See exceptions below.

• We will not charge you interest during a billing cycle on any purchases if:

1. You had no balance at the start of the billing cycle; OR

2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle.

• We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to purchases if:

1. You had no balance at the start of the previous billing cycle; OR

2. You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous billing cycle.

1

How We Calculate 
Interest

We figure the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance 
for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases and 
balances subject to different interest rates, plans or special promotions. See below for how this works.

1.  How to get the daily balance: We take the starting balance each day, add any new charges and fees, and subtract any payments or 

credits. This gives us the daily balance. We apply fees to balance types as follows:

(a)  late payment fees are treated as new purchases; and 

(b)  debt cancellation fees are added proportionately to each balance.

2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.

3. How to get the starting balance for the next day: We add the daily interest amount in step 2 to the daily balance from step 1.

4. How to get the interest charge for the billing cycle: We add all the daily interest amounts that were charged during the billing cycle.

We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. This charge is added proportionately to each 
balance type.

How Fees Work 

Late Payment Fee

We will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. This fee is 
equal to:

  1. $29, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles.

    OR

  2. $40, if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles.

The late payment fee will not be more than the total minimum payment that was due.

Minimum Payment Calculation: 

Your total minimum payment is calculated as follows.

The greater of:

1.  $29, or $40 (which includes any past due amounts) if you have failed to pay the total minimum payment due by the due date in any one or more of the prior six 

billing cycles.

OR

2.  The sum of:

a. Any past due amounts; PLUS

b.  1% of your new balance shown on your billing statement (excluding any balance in connection with a special promotional purchase with a unique payment 

calculation); PLUS

c. Any late payment fees charged in the current billing cycle; PLUS

d. All interest charged in the current billing cycle; PLUS

e.  Any payment due in connection with a special promotional purchase with a unique payment calculation.

We round up to the next highest whole dollar in figuring your total minimum payment. Your total minimum payment will never be more than your new balance. Payments 
required in connection with a special promotional purchase with a unique payment calculation will not be increased to, but may be included in the $29 or $40 minimum 
amount otherwise due.

Special Promotional Financing Offer Information

At times, we may offer you special financing promotions for certain transactions (“special promotions”). The terms of this Agreement apply to any special promotion. 
However, any special promotional terms that are different than the terms in this Agreement will be explained on promotional advertising or other disclosures provided to 
you. Below is a description of certain special promotions that may be offered:

• No Interest if Paid in Full Within 6 Months

For each promotion, if the promotional balance is not paid in full within the promotional 
period, interest will be imposed from the date of purchase at the variable Purchase APR 
that applies to your account when the promotional purchase is made.

• No Interest if Paid in Full Within 12 Months

At the time your account is opened, the variable Purchase APR is 26.99%.

Your Purchase APR will vary with the market based on the prime rate.

When you make a qualifying purchase under one of these promotions, no interest will be assessed on the purchase if you pay the following (the “promotional balance”) 
in full within the applicable promotional period: (1) the promotional purchase amount, and (2) any related optional debt cancellation charges. If you do not, interest will 
be assessed on the promotional balance from the date of the purchase. Minimum monthly payments are required. Regular account terms apply to non-promotional 
purchases and, after promotion ends, to promotional purchases. Offers are subject to credit approval. These promotional offers may not be available at all times for all 
purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered.

2

 
SECTION III: STANDARD PROVISIONS  
AT HOME INSIDER PERKS CREDIT CARD ACCOUNT AGREEMENT

ABOUT THE CREDIT CARD ACCOUNT AGREEMENT

This Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account shown 
above. By opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and the 
application you submitted in connection with the account. These documents replace any other agreement relating to your account that you or we made earlier or at 
the same time.

Parties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full amount 
due, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as “you” or “your.” Synchrony Bank may 
be referred to as “we,” “us” or “our.”

Changes To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges.

Special Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the terms in this 
Agreement will be explained on promotional advertising or other disclosures provided to you.

HOW TO USE YOUR ACCOUNT/CARD

Use Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases from At Home locations.

You Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement. 

Your Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a card to 
someone else, you will be responsible for paying for all charges resulting from their transactions. 

Purchase Limits. To prevent fraud, we may limit the number or dollar amount of purchases you can make in any particular amount of time. We also may decline any 
particular charge on your account for any reason.

Credit Limit. You will be assigned a credit limit that we may increase or decrease from time to time. If we approve a purchase that makes you go over your credit 
limit, we do not give up any rights under this Agreement and we do not treat it as an increase in your credit limit.

HOW AND WHEN TO MAKE PAYMENTS

When Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle. Payments 
received after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for 
prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your 
account in the amount of your payment even though we will credit your payment when we receive it.

Payment Options. You can pay by mail or online. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone 
payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States.

How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be 
delayed up to five days. Your billing statement also explains how information on your check is used.

Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in 
excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply 
excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion.

INFORMATION ABOUT YOU 

Using And Sharing Your Information. When you applied for an account, you gave us and At Home Stores LLC information about yourself that we could share 
with each other. At Home Stores LLC will use the information in connection with the credit program and for things like creating and updating its records and 
offering you special benefits. More information about how we use and share information is set forth in the privacy policy for your account. 

Address/Phone Change. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. 
You also agree to tell us right away if you change your address or any phone number. 

Consent to Communications. You consent to us, as well as any other owner or servicer of your account, contacting you through any channel of communication 
and for any purpose, as permitted by applicable law. For informational, servicing, fraud, or collection related communications, you agree that we may use the 
phone numbers that you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls made by 
an automatic telephone dialing system. Text frequency may vary and may be recurring. This consent applies even if you are charged for the call under your plan. 
You are responsible for any charges that may be billed to you by your communications carrier when we contact you. Message and data rates may vary. We and 
any carrier are not liable for delayed or undelivered messages. If you have questions, please call the number on the back of your card.

Telephone Monitoring. For quality control, you allow us to listen to and/or record telephone calls between you and us.

IMPORTANT INFORMATION ABOUT YOUR ACCOUNT 

Closing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We 
may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement 
will remain in effect until you do.

Collection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These include court 
costs and reasonable attorneys’ fees.

Credit  Bureau  Reporting.  We  may  report  information  about  your  account  to  credit  bureaus.  Late  payments,  missed  payments,  or  other  defaults  on  your 
account  may  be  shown  in  your  credit  report.  Tell  us  if  you  think  we  reported  wrong  information  about  you  to  a  credit  bureau.  Write  to  us  at  P.O.  Box  965015,   
Orlando, FL 32896-5015. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information, 
send us a copy. 

Default. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or upon your 
death, we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed. 

3

Disputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If you 
send us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any rights under 
this Agreement if we accept a payment marked “payment in full” or given with any other conditions or limitations.

Unauthorized Use. If your card is lost, stolen or used without your consent, call us immediately at 1-855-474-7024. You will not be liable for unauthorized use on 
your account, but you will be responsible for all use by anyone you give your card to or allow to use your account.

IMPORTANT INFORMATION ABOUT THIS AGREEMENT 

Assignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We do not have 
to give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account.

Enforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply.

Governing Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law and, to the 
extent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah.

Waiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in another situation.

RESOLVING A DISPUTE WITH ARBITRATION 

PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES 
BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE 
ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION 
WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.

  1.   CLAIMS AND PARTIES. If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you (including any other 
user of your account), and us (including our parents, affiliates, agents, employees, officers, and assignees) that directly or indirectly arises from or relates to 
your account, your account Agreement or our relationship, except as noted below. In addition, At Home Stores LLC and/or any assignee, agent, or service 
provider of ours that collects amounts due on your account are intended beneficiaries of this Arbitration section and may enforce it in full (notwithstanding any 
state law to the contrary).

  2.   This Arbitration section broadly covers claims based upon contract, tort, consumer rights, fraud and other intentional torts, negligence, constitution, statute, 
regulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before this section took 
effect. You may not sell, assign or transfer a claim. 

  3.   Examples of claims subject to arbitration are disputes about an account transaction, fees, charges or interest, the events leading up to the Agreement (such 
as any disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an application for or denial of credit, 
any product or service provided by us or third parties in connection with the Agreement, credit reporting, benefit programs related to your account including 
any reward program, the collection of amounts due by our assignees, service providers, or agents and the manner of collection.

  4.   However, we will not require you to arbitrate any individual case in small claims court or your state’s equivalent court, so long as it remains an individual case 
in that court. Also, even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or 
any claim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or multi-party 
claim. Arbitration may be requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered. 

  5.   Only a court will decide disputes about the validity, enforceability, coverage or scope of this Arbitration section or any part thereof. However, any dispute that 

concerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide.

  6.   NO CLASS ACTIONS. IF EITHER YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT (A) TO PARTICIPATE 
IN  A  CLASS  ACTION,  PRIVATE  ATTORNEY  GENERAL  ACTION  OR  OTHER  REPRESENTATIVE  ACTION  IN  COURT  OR  IN  ARBITRATION,  EITHER  AS 
A  CLASS  REPRESENTATIVE  OR  CLASS  MEMBER,  OR  (B)  TO  JOIN  OR  CONSOLIDATE  CLAIMS  WITH  CLAIMS  OF  ANY  OTHER  PERSONS  EXCEPT 
ACCOUNTHOLDERS ON YOUR ACCOUNT. THUS, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT 
AN ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE 
ARBITRATION WITH ANY CLAIM YOU HAVE. 

  7.   PROCEDURES.  The  party  who  wants  to  arbitrate  must  notify  the  other  party  in  writing.  This  notice  can  be  given  after  the  beginning  of  a  lawsuit  or  in 
papers filed in the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320,  
ATTN:  ARBITRATION  DEMAND.  The  party  seeking  arbitration  must  select  either  the  American  Arbitration  Association  (AAA),  120  Broadway,  Floor  21,   
New York, NY 10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration. If neither 
administrator can handle the dispute, a court with jurisdiction will appoint an arbitrator.

  8.   The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten years of legal 
experience. The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual action in court, but 
may use different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending 
in court. 

  9.   The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, 
without limitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but 
only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim). The parties 
will bear the fees and costs of their attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of attorneys, 
witnesses and experts to the extent permitted by the Agreement, the administrator’s rules or applicable law.

10.   The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator charges 
if you cannot obtain a waiver of fees from the administrator and are acting in good faith. We will always pay arbitration costs required by the administrator’s 
rules or that are necessary for this Arbitration section to be enforced.

11.   GOVERNING LAW. This Arbitration section is governed by the FAA. Utah law shall apply to the extent state law is relevant under the FAA, unless otherwise 
stated herein. The arbitrator’s award will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon 
the arbitrator’s award. The arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except 
to enforce the award. 

12.   SURVIVAL. This Arbitration section shall survive the repayment of all amounts owed, the termination, cancellation or suspension of the Agreement or your 
account or credit privileges, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. If this Arbitration 
section conflicts with the applicable arbitration rules or the other provisions of the Agreement, this Arbitration section shall govern. 

4

13.   SEVERABILITY. If any portion of this Arbitration section is held to be invalid or unenforceable, the remaining portions shall nevertheless remain in force with 
the following two exceptions. First, if a determination is made that the “No Class Actions” provision is unenforceable, and that determination is not reversed on 
appeal, then this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive relief claim may proceed notwithstanding 
the “No Class Actions” provision, and that determination is not reversed on appeal, then the public injunctive relief claim will be decided by a court, and any 
individual claims will be arbitrated. The parties will ask the court to stay the public injunctive relief claim until the other claims have been finally concluded.

14.   HOW  TO  REJECT  ARBITRATION.  You  may  reject  this  Arbitration  section.  If  you  do  that,  a  court  will  resolve  any  dispute  or  claim.  To  reject 
this  section,  send  us  a  notice  within  45  days  after  you  open  your  account  or  we  first  provided  you  with  your  right  to  reject  this  section.  The 
notice  must  include  your  name,  address,  account  number,  and  personal  signature,  and  must  be  mailed  to  Synchrony  Bank,  P.O.  Box  965012,   
Orlando, FL 32896-5012. This is the only way you can reject this section. Rejecting this Arbitration section will not affect any other provision of the Agreement. 
It will also not affect any prior arbitration agreement or dispute resolution provision between you and us, which will remain in full force and effect. If you don’t 
reject this Arbitration section, it will be effective as of the date of the Agreement and will supersede any prior arbitration agreement between you and us that 
would otherwise be applicable.

SECTION IV: OTHER IMPORTANT INFORMATION 
AT HOME INSIDER PERKS CREDIT CARD ACCOUNT AGREEMENT

This section of the agreement includes state notices, billing rights summary and rewards terms (if applicable) and is not required to be provided as part of the credit card 
agreement posted online or provided to the CFPB.

FR833282333_AT HOME INSIDER PERKS CREDIT CARD 
T&C PLCC PDF WF2011892B
9/2020

5