Synchrony Bank Credit Cards

View the top credit cards from Synchrony Bank, one of the largest issuers of co-branded and retail credit cards. Browse credit cards below.

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Synchrony Premier World Mastercard®

Synchrony Premier World Mastercard®
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Good
Mastercard Processing Network
None Annual Fee

Synchrony Premier World Mastercard®

  • 18.24%, 24.24%, or 31.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 18.24%, 24.24%, or 31.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

The Synchrony Premier World Mastercard® offers 2% cash back, a simple redemption process, and more – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 2% cash back rewards on every purchase
  • Contactless payment compatibility
  • Regular Purchase APR: 18.24%, 24.24%, or 31.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 18.24%, 24.24%, or 31.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of each balance transfer, whichever is greater
  • 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 each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: $30
  • You have good credit
  • You prefer cash back rewards as a statement credit
  • You don’t want to pay an annual fee

Venmo Visa Credit Card

Venmo Visa Credit Card
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent / Good
Visa Processing Network
None Annual Fee

Venmo Visa Credit Card

  • 19.49%, 25.49% or 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 28.49% variable based on the Prime Rate Cash Advance APR

At a Glance

The Venmo Visa Credit Card is a unique twist on fintech credit cards. The card, from Synchrony Bank, offers up to 3% cash back on purchases, with rewards automatically calculated and debited into the associated Venmo account. The card also offers no annual fee and no foreign transaction fees.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn custom cash back rewards – up to 3% on your top spend category
  • Syncs seamlessly with the Venmo app
  • Visa contactless technology allows you to shop securely at contactless-enabled terminals
  • Choose from various colors, and each card contains a unique QR code that takes users straight to your profile
  • No annual fee
  • Regular Purchase APR: 19.49%, 25.49% or 28.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 28.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • You already use Venmo or are interested in using it
  • You want a simple, automatic rewards structure
  • You don’t want to pay an annual fee or foreign transaction fee

Verizon Visa® Card

Verizon Visa® Card
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent / Good
Visa Processing Network
None Annual Fee

Verizon Visa® Card

  • 26.24% or 30.24% variable based on the Prime Rate Regular Purchase APR
  • 26.24% or 30.24% variable based on the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

The Verizon Visa® Card, issued by Synchrony Bank, is an enticing rewards credit card that earns up to 4% back and features an all-metal card design, no foreign transaction fees, and no annual fee. The card is only available to current Verizon and Fios customers.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No foreign transaction fees
  • Earn 4% back on grocery store and gas purchase
  • Earn 3% back on dining purchases, including takeout
  • Earn 2% back on Verizon purchases
  • Regular Purchase APR: 26.24% or 30.24% variable based on the Prime Rate
  • Balance Transfer APR: 26.24% or 30.24% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater
  • 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
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $28
  • You already bundle your internet and phone services with Verizon
  • You want a rewards card that earns Verizon Dollars and can help to save on those services or a new phone
  • You want a metal card that provides a great first impression
  • You don’t want to pay an annual fee

Sheetz Visa® Credit Card

Sheetz Visa® Credit Card
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Good
Visa Processing Network
None Annual Fee

Sheetz Visa® Credit Card

  • 28.99% variable based on the Prime Rate Regular Purchase APR
  • 28.99% variable based on the Prime Rate Balance Transfer APR
  • 29.49% variable based on the Prime Rate Cash Advance APR

At a Glance

The Sheetz Visa® Credit Card is a gas rewards credit card that offers up to 8 cents in savings per gallon of gasoline pumped at Sheetz fuel pumps. The card also provides up to 5% cash back on in-store Sheetz purchases, plus 1% back on other eligible purchases, all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Save up to 8 cents per gallon at Sheetz pumps with a MySheetz Rewardz membership
  • 5% cash back on Sheetz in-store purchases
  • 1% back on all other qualifying purchases
  • No annual fee
  • Regular Purchase APR: 28.99% variable based on the Prime Rate
  • Balance Transfer APR: 28.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • You frequently purchase gasoline at Sheetz
  • You have an active MySheetz Rewardz membership
  • You live in the Mid-Atlantic region of the U.S.
  • You don’t want to pay an annual fee

Fleet Rewards® Visa®

Fleet Rewards® Visa®
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent / Good
Visa Processing Network
None Annual Fee

Fleet Rewards® Visa®

  • 21.24% or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

The Fleet Rewards® Visa® Credit Card lets Fleet Farm shoppers earn impressive rewards with every purchase. The card from Synchrony Bank features special financing on select Fleet Farm purchases, 10% off your first purchase with the brand, no foreign transaction fees, and no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 4X points on Fleet Farm purchases
  • Earn 1X on all other eligible purchases
  • Enjoy 6 months special financing on in-store purchases of $299 or more
  • Regular Purchase APR: 21.24% or 29.99% 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
  • Late Payment Penalty Fee: Up to $41
  • You love Fleet Farm
  • You live in Iowa, Minnesota, North Dakota, South Dakota, or Wisconsin
  • You don’t want to pay a foreign transaction fee or annual fee

What is Synchrony Bank? 

Synchrony Bank is an online banking institution with its own long list of products, but it’s more widely known as the most prolific private credit card issuer in the United StatesThrough its credit card division, Synchrony works with dozens, if not hundreds, of private companies to help them issue their own branded cards.  Regardless of which card you get, you can manage your account with your Synchrony Bank login on the issuer’s website.

Types of Synchrony Bank Credit Cards 

By far, Synchrony is most well-known for its retail rewards cardsThese often feature special promotional financing and rewards on a wide variety of productsHowever, this issuer also works with a few small airlines on offers for frequent flyers. You can also find a few gas rewards cards in the mix.   Among the list of Synchrony credit cards, you’ll find both closed-loop and open-loop cards. Open-loop refers to cards associated with a payment processing network, such as Mastercard or Visa. Access to this network allows cardholders to use these cards just about anywhere. Meanwhile, closed-loop cards have no processing network, and therefore can only be used at the issuing store.  

What Stores Use Synchrony Bank for Their Credit Cards? 

If you’re considering a credit card from your favorite retailer, chances are it’s likely a Synchrony Bank credit cardAlternately, it could be from Commenity Bank, which is this issuer’s main competition for private label cards. The following list outlines just some of Synchrony’s many credit card partners: 
  • Old Navy  
  • Marvel 
  • TJX (TJ Maxx, Marshalls, and HomeGoods) 
  • Belk 
  • Gap 
Other examples of Synchrony store cards include:
  • Amazon Prime Store Card
  • Amazon Prime Credit Builder Secured Card
  • American Eagle Outfitters (AEO)
  • CareCredit
  • Pep Boys CarCareOnONE Card
  • City Furniture Card
  • Conoco Store Card
  • Flooring America Card
  • Guitar Center Store Card
  • JCPenney Card
  • La-Z-Boy Card
  • LensCrafters Card
  • Lumber Liquidators Card
  • Mattress Firm Store Card
Some other big names that aren’t exactly retailers include eBay, PayPal, Norwegian Airlines, and Chevron. While this list isn’t exhaustive, it provides a pretty good glimpse into the wide array of rewards you can earn with Synchrony. 

Pros and Cons of a Synchrony Credit Card 

As with any issuer, there are plenty of advantages and disadvantages to applying for a card with Synchrony. Overall, these cards offer a pretty decent spread of rewards, though some are better than others. Below we’ll explore aspects of these cards that present either pros or cons for your wallet.  

What Credit Score Does Synchrony Bank Require? 

Retail cards, including those from Synchrony can require varying levels of credit scores. Most are available for good to fair credit scores. However some, like the Belk Rewards Mastercard® require good to excellent credit. This is because Belk offers both open-loop and closed-loop cards, and reserves the Mastercard for customers with the highest credit scores.   Stores that do this usually make it easy to upgrade after several months of using the card as well. That makes these cards fairly easy to obtain when compared to other types of rewards cards. While you can’t apply for Synchrony Bank preapproval directly, stores where you shop frequently may send out a preapproval notice if you qualify for a card. 

Earning Store Rewards 

One of the biggest selling points for Synchrony bank store credit cards is their ability to earn major discounts and rewards for frequent shoppers. Since some of these cards are on closed-loops, this is where most of the benefits come from. Open-loop cards may offer more opportunities to earn, but they likely won’t be as substantial.  Depending on your current spending habits, that can be a pro or a con on its own. If you already shop frequently at your favorite store, you can potentially save some cash with the addition of the card. On the other hand, cards like these can also encourage overspending, which is the fastest way to land yourself in debt. For that reason, it’s important to consider a Synchrony Bank rewards card (or any store credit card) carefully before you apply. 

High APRs and Fees 

The main reason retail rewards cards have a higher potential to lead to debt is their interest rates. Store cards (including those from Synchrony) are notorious for high APRs, often upwards of 17% even on the low end. In fact, depending on your credit score you can see rates near 30%  pretty much the highest APR you can expect from any credit line. On the plus side, Synchrony offers don’t tend to have penalty APRs.  

Find Your Best Card 

Looking for promotional financing and rewards from your favorite retailer? Browse our reviews of Synchrony Bank credit cards to find just the right fit. We’ve reviewed hundreds of cards for every occasion and financial goal to help you piece together the perfect wallet. Want to learn a little more about credit cards before you apply? Check out our dozens of articles and editorials to become a savvy cardholder. Get started now! 

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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