Last updated on February 24th, 2023
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Synovus Classic Visa® Credit Card
Synovus Classic Visa® Credit Card
- 15.49% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.49% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
Sometimes, simple is best – and the Synovus Classic Visa® Credit Card delivers a simple, no-frills credit card offer that is ideal for cardholders who wish to avoid high interest rates and maximize their savings. This is a classic credit card that lives up to its name – no bells and whistles, no extra fees, just low interest rates and a generous introductory APR period designed to magnify savings.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR on purchases, balance transfers and overdraft protection transactions for the first 12 months after account opening
- No balance transfer fee if you request a transfer over the phone or with your local banker
- Auto Rental Collision Damage coverage
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 15.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 15.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You wish to save money by taking advantage of a credit card with the lowest interest rates that Synovus Bank has to offer
- You will maximize your savings by planning ahead and using the generous introductory APR to transfer existing debt or make a big-ticket purchase
- You want a card that does not charge extra fees
- You want easy-to-use online access to manage your credit card statements and account
Synovus Classic Visa® Credit Card Review
The Synovus Classic Visa® Credit Card is a pared-down credit card offering from Synovus Bank that will intrigue anyone who is looking for the lowest interest rates Synovus has to offer, along with a card that has no hidden fees. The Classic Visa is a great way to save money.
Low, Competitive Interest Rates
Folks who are looking to lower their interest payments across the board will find that the Synovus Classic Visa Credit Card is a great option for saving their hard-earned money. Not only does the Classic Visa feature the most competitive, lowest interest rates of any credit card that Synovus Bank offers, it also allows cardholders to get a leg up on savings if they take advantage of an attractive introductory APR:
For all new accounts, Synovus proffers an APR of 0% for the first 12 months of account use. This interest rate applies to purchases, balance transfers, and overdraft protection.
What does this mean? If a cardholder intends to transfer a large balance, they’ll have six full months to pay it down (or pay it completely) without costly interest charges driving up their balance; transferring a balance is as easy as calling the bank. Alternately, if a cardholder has had their eye on a pricy item, they can use this card to make that expensive purchase and then pay it down without interest rates for 12 months.
With proper planning, the Classic Visa Credit Card from Synovus will be a powerful savings tool for anyone who wields it.
No Fees, No Problem
The Synovus Classic Visa® Credit Card is designed to give each cardholder financial freedom: Freedom to make purchases without high interest rates, freedom to save money and, above all, freedom from extra fees. There is no annual fee associated with this credit card, so you keep that money in your account or spend it on something you need rather than a recurring fee for the privilege of using the card.
Additionally, cardholders who wish to transfer a balance will be pleased to hear that, if they visit their local banker in person or request a balance transfer over the phone, there will not be any fee assessed to move those funds to their new Classic Visa card. These savings really add up for new cardholders who plan to take advantage of the lack of fees and the card’s introductory bonus.
While cardholders can save beaucoup bucks by using this card, those who plan to use it for purchases overseas should be cautioned that although many common extra fees are not assessed for the Synovus Classic Visa, there is a foreign transaction fee. If you’re looking for a comparable low-interest credit card that does not charge a foreign transaction fee in addition to forgoing an annual fee, try looking at the Huntington Bank Voice Low Rate card.
Easy Online Access
Thanks to CardView® from Synovus, cardholders have easy and convenient online access to their accounts. Enrolling in CardView will give you the ability to manage your credit card account the way you want to. You may view your account activity – review the date, amount, and a description of each recent transaction – or make your monthly payments quickly and easily. Automatic payments can also be set up, as well as reminders to notify you when you’ve reached a specific balance that you determine, or to let you know that you have a payment due soon – the choice is yours.
Visa Card Benefits
Though the Synovus Classic Visa Card comes with a pared-down version of the Visa® benefits that are available to its sister cards, like the Synovus Travel Rewards Credit Card, it still provides value for cardholders who use it to rent a vehicle. The Classic Visa is accompanied by Visa’s Auto Rental Collision damage Waiver, which provides insurance coverage that will reimburse the cardholder for damage due to collision or theft, up to the actual cash value of most rental vehicles, for any rental that is paid for with this card.
Should You Apply for the Synovus Classic Visa® Credit Card from Synovus Bank?
Perhaps the biggest caveat with the Synovus Classic Visa is that there are comparable card offers – with interest rates that rival this offering from Synovus Bank – that may be more attractive. The Chase Slate Credit Card, for instance, also features no annual fee, no balance transfer fee (for the first 60 days), and a lengthy introductory APR – but what sets it apart from the Classic Visa is the duration of this introductory bonus, which outpaces most of its competition at a whopping 15 months of 0% interest for purchases and balance transfers. Those who are looking to save money after making a large purchase (or several large purchases) may be better off with a longer introductory APR period.
Another credit card that features a similar APR (although slightly higher than that of the Classic Visa) is the BB&T Bright Credit Card, which, like the Chase Slate Card, features a lengthy 0% APR for purchases and balance transfers for fifteen months. The BB&T Bright Card’s interest rates are higher than those of the Classic Visa, but the difference is down to 2 percentage points and will not make a huge impact to any account that makes regular monthly statement payments in full.
If you’re looking for a simple, classic credit card that delivers when it comes to savings without extraneous fees and distracting bells and whistles, the Synovus Classic Visa Credit Card is a nice place to start. While there are many comparable card offers on the market, Synovus Bank has paired this card with a low, competitive APR for those who qualify based on their creditworthiness. That, combined with an introductory APR of 0% for 12 months for purchases and balance transfers, makes this a credit card that can save oodles of money in the right hands.