Synchrony Bank Credit Cards Reviews

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Best Benefits

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

Rates & Fees

Regular Purchase APR: 13.74% or 24.74% 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 $39

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Synchrony Premier World Mastercard®

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Regular Purchase APR 13.99%, 19.99% or 26.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 13.99%, 19.99% or 26.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR 29.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Good
Processing Network Mastercard

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Date Reviewed: December 16, 2021

Best Benefits

No annual fee
Earn 2% cash back rewards on every purchase
Contactless payment compatibility

Rates & Fees

Regular Purchase APR: 13.99%, 19.99% or 26.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 13.99%, 19.99% or 26.99% 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 $40

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Best Benefits

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

Rates & Fees

Regular Purchase APR: 21.74% to 27.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 21.74% to 27.74% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.24% 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

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Best Benefits

No annual fee
Earn 2% cash back at Amazon.com and Amazon physical stores
Chance to get your security deposit returned after as little as 12 months

Rates & Fees

Regular Purchase APR: 10% fixed
Late Payment Penalty Fee: Up to $5
Minimum Deposit Required: $100

Best Benefits

No annual fee
10% rewards on Walgreens brand purchases
5% rewards on all other Walgreens purchases
3% on grocery and health & wellness purchases outside of Walgreens
1% rewards on other purchases everwhere Mastercard is accepted

Rates & Fees

Regular Purchase APR: 17.99%, 23.99%, or 26.99% 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
Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: $29

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Best Benefits

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

Rates & Fees

Regular Purchase APR: 18.74% variable based on the Prime Rate
Balance Transfer APR: 18.74% 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

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Best Benefits

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

Rates & Fees

Regular Purchase APR: 15.24%, 21.24% or 24.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 24.24% 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

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Best Benefits

3X points at gas stations and restaurants
2X points on purchases made through PayPal and eBay
1X point on all purchases wherever Mastercard is accepted
Mastercard identity theft protection

Rates & Fees

Regular Purchase APR: 19.99%, 23.99%, or 26.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 26.99% 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 $40
Return Payment Penalty Fee: $29

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Best Benefits

Up to 6X points on purchases with OneTravel
4X points on dining, with 2X points on everything else
Special financing opportunities on qualified OneTravel purchases
Redeem points on flights, hotels, and cars at OneTravel.com

Rates & Fees

Regular Purchase APR: 18.99% or 25.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 29.99%
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 $40
Return Payment Penalty Fee: $29

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Best Benefits

No annual fee
Earn 5 points for every $1 spent at Nissan dealerships and on gas
Earn 3 points for every $1 spent on dining and 1X points on everything else
Get access to limited-time financing promotions

Rates & Fees

Regular Purchase APR: 17.24% or 23.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: $29

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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 States. Through 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 cards. These often feature special promotional financing and rewards on a wide variety of products. However, 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 card. Alternately, 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!

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What is Synchrony Bank?

Types of Synchrony Bank Credit Cards

What Stores Use Synchrony Bank for Their Credit Cards?

Pros and Cons of a Synchrony Credit Card

What Credit Score Does Synchrony Bank Require?

Earning Store Rewards

High APRs and Fees

Find Your Best Card