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®
  • Regular Purchase APR 14.24%, 20.24%, or 27.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.24%, 20.24%, or 27.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.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.
    Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn 2% cash back rewards on every purchase
  • Contactless payment compatibility
Rates & Fees
  • Regular Purchase APR: 14.24%, 20.24%, or 27.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.24%, 20.24%, or 27.24% 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
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Venmo Visa Credit Card

Venmo Visa Credit Card
  • Regular Purchase APR 15.49%, 21.49% or 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.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.
    Excellent , Good
  • Processing Network Visa
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: 15.49%, 21.49% or 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 24.49% 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
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Verizon Visa® Card

Verizon Visa® Card
  • Regular Purchase APR 23.24% or 27.24% variable based on the Prime Rate
  • Balance Transfer APR 23.24% or 27.24% variable based on the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.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.
    Excellent , Good
  • Processing Network Visa
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: 23.24% or 27.24% variable based on the Prime Rate
  • Balance Transfer APR: 23.24% or 27.24% 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
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Fleet Rewards® Visa®

Fleet Rewards® Visa®
  • Regular Purchase APR 17.24% or 28.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.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.
    Excellent , Good
  • Processing Network Visa
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: 17.24% or 28.24% 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
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Sheetz Visa® Credit Card

Sheetz Visa® Credit Card
  • Regular Purchase APR 21.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 21.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.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.
    Good
  • Processing Network Visa
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: 21.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 21.99% to 27.99% 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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Amazon Secured Store Credit Card

Amazon Secured Store Credit Card
  • Regular Purchase APR 10%
  • Annual Fee None
  • Credit NeededBestCards.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.
    Poor , No Credit Required
  • Processing Network N/A
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%
  • Late Payment Penalty Fee: Up to $5
  • Minimum Deposit Required: $100

myWalgreens™ Mastercard®

myWalgreens™ Mastercard®
  • Regular Purchase APR 19.49%, 25.49%, or 28.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.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.
    Excellent , Good
  • Processing Network Mastercard
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: 19.49%, 25.49%, or 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 amount of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: $29
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PayPal Extras Mastercard®

PayPal Extras Mastercard®
  • Regular Purchase APR 21.49%, 25.49%, or 28.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 28.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.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.
    Excellent , Good , Fair
  • Processing Network Mastercard
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: 21.49%, 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
  • 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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OneTravel Visa® Credit Card

OneTravel Visa® Credit Card
  • Regular Purchase APR 19.24% or 26.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 29.99%
  • Annual Fee None
  • Credit NeededBestCards.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.
    Excellent
  • Processing Network Visa
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: 19.24% or 26.24% 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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Nissan® Visa Signature®

Nissan® Visa Signature®
  • 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
  • Annual Fee None
  • Processing Network N/A
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

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! 

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