P.C. Richard & Son Credit Card
Get up to 36 Months Special Financing*/** on Qualifying Purchases now through 12/2/26! New Cards CANNOT be used for same-day pick up purchases online or in a P.C. Richard & Son Store. Your first order must be delivered to the address on your credit card application.
If you wish to make a payment to your P.C. Richard & Son Synchrony credit card, please use one of the following methods:
- By Phone: 1-877-800-4727. There may be an additional fee to make an expedited payment by phone.
- Online at: mysynchrony.com
- In-Store: Find a Store
- Mail: Synchrony Bank PO Box 960061 Orlando, FL 32896-0061
Ensure you have plenty of time for your payment to arrive prior to due date
Benefits You'll Love
Current Special Financing With Your P.C. Richard & Son Credit Card
Appliance Special Financing
6 Months special financing* applies to all purchases not qualifying for another offer listed* 18 Months Special Financing* applies to the following purchases All appliance purchases totaling $999 or more now through 12/2/26!
Electronics Special Financing
6 Months special financing* applies to all purchases not qualifying for another offer listed* 18 Months Special Financing* applies to the following purchases any Hisense TVs priced $999 or more now through 12/2/26. any LG TVs priced $999 or more now through 12/2/26. any Samsung TVs priced $999 or more now through 12/2/26. any Sony TVs priced $999 or more now through 12/2/26. any TCL TVs priced $999 or more now through 12/2/26.
Mattress Special Financing
6 Months special financing* applies to the following purchases any mattresses priced up to $598.99 now through 12/2/26! 12 Months Special Financing* applies to the following purchases any mattresses priced $599-$998.99 now through 12/2/26! 18 Months Special Financing* applies to the following purchases any mattresses priced $999-$1,998.99 now through 12/2/26! 24 Months Special Financing* applies to the following purchases any mattresses priced $1,999-$2,998.99 now through 12/2/26! 36 Months Special Financing** applies to the following purchases any mattresses priced $2,999 or more now through 12/2/26!
Special Offers
6 Months special financing* applies to all purchases not qualifying for another offer listed* 12 Months Special Financing* applies to the following purchases everything we sell priced $599 or more now through 12/2/26. any Mac computer now through 12/2/26. 18 Months Special Financing* applies to the following purchases any TCL audio priced $497 or more now through 12/2/26. any LG audio priced $497 or more now through 12/2/26. any Samsung audio priced $497 or more now through 12/2/26. any Sony audio priced $497 or more now through 12/2/26. any JBL audio priced $497 or more now through 12/2/26.
Frequently Asked Questions
Securely access and manage your account online. you can: make a payment, view account balance & receive account alerts or call synchrony customer service at 1-877-800-4727 7 days a week; 7:30am to midnight est
1New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2.
*0 Interest if paid in full within 6, 12, 18 or 24 months with your P.C. Richard & Son Credit Card 11/4/26 through 12/2/26. 6 Months Special Financing on everything we sell not listed below and all mattresses priced up to $598.98, 12 months on everything we sell priced $599 or more, all Mac computers & all mattresses priced $599-$998.99, 18 months on all appliance purchases totaling $999 or more (excluding Dacor, LG, Samsung, Sub-Zero MidAtlantic & Sub-Zero Clarke), all Hisense, LG, Samsung, Sony & TCL TVS priced $999 or more, all JBL, LG, Samsung, Sony & TCL audio priced $497 or more & all mattresses priced $999-$1,498.99, 24 Months on all mattresses priced mattresses priced $1,999-$2,998.99. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the applicable 6, 12, 18 or 24 month promo period. Minimum monthly payments required.
Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 07/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
**No Interest for 36 Months on mattresses priced $2,999 or more with your P.C. Richard & Son Credit Card 11/4/26 through 12/2/26. Equal monthly payments required for 36 months.
Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on the amount financed and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, rounded up to the next whole dollar. 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 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
