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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myWalgreens™ Mastercard®

myWalgreens™ Mastercard®
  • 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
  • Annual Fee None
  • Credit Needed 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: 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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Verizon Visa® Card

Verizon Visa® Card
  • Regular Purchase APR 18.74% variable based on the Prime Rate
  • Balance Transfer APR 18.74% variable based on the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed 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: 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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Venmo Visa Credit Card

Venmo Visa Credit Card
  • 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
  • Annual Fee None
  • Credit Needed 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: 15.24%, 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
Credit Card Deals
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$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
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Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
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Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
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Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

PayPal Extras Mastercard®

PayPal Extras Mastercard®
  • 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
  • Annual Fee None
  • Credit Needed 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: 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 $5 or 3% 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
Credit Card Deals
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OneTravel Visa® Credit Card

OneTravel Visa® Credit Card
  • Regular Purchase APR 18.99% or 25.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 29.99%
  • Annual Fee None
  • Credit Needed 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: 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
Credit Card Deals
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Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
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Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
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Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
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Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
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$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
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Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
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Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
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Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

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
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 5 points for every $1 spent at Nissan or INFINITI dealerships or 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
Credit Card Deals
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Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
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Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
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Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
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Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
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Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
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Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
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$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
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Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
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Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
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Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

INFINITI Visa® Card

INFINITI Visa® Card
  • Regular Purchase APR 17.24% or 23.24% variable based on the Prime Rate
  • Cash Advance APR 25.24 % variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 5 points for every $1 spent at INFINITY, Nisan, or gas stations
  • Earn 3X points on dining and 1X points on everything else
  • Periodic special financing offers
Rates & Fees
  • Regular Purchase APR: 17.24% or 23.24% variable based on 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 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
Credit Card Deals
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Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
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Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
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Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
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Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
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Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
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Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
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$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
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Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
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Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
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Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

PayPal Cashback Mastercard

PayPal Cashback Mastercard
  • Regular Purchase APR 19.99%, 23.99% or 26.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.99%
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn unlimited 2% back on all purchases
  • No foreign transaction fees
  • No annual fee
  • ID 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%
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals
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Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
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33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
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Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
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FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
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New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
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ScoreRewards Mastercard®

ScoreRewards Mastercard®
  • Regular Purchase APR 26.99% variable based on the Prime Rate
  • Cash Advance APR 29.99%
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 2X points per $1 spent on all qualified in-store purchases at DICK'S Sporting Goods, and online at DICKS.com
  • Earn 1 point per $3 spent anywhere else Mastercard is accepted
  • Automatic ScoreCard Gold Status with account approval
  • No annual fee
  • Choose between two exclusive sign-up bonuses when your new account is approved
Rates & Fees
  • Regular Purchase APR: 26.99% variable based on 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
Credit Card Deals
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Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
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33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
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Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
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FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
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New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
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50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
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Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
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Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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Stein Mart Platinum Mastercard®

Stein Mart Platinum Mastercard®
  • Regular Purchase APR 26.99%, variable with the market based on the Prime Rate
  • Cash Advance APR 28.99%
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 2 points per $1 spent at Stein Mart
  • Earn 2% back in Rewards for purchases
  • Enjoy exclusive shopping events and Bonus Points Days
  • Receive a $10 Stein Mart SMart Cash Reward with your new card in the mail as a thank you
  • Take 10% off your first purchase at Stein Mart with your new Stein Mart credit card
  • When you spend $500 or more each year, you're automatically upgraded to the Stein Mart Platinum Elite Mastercard, which doubles the rewards you can earn: 4 points per $1 spent at Stein Mart, and 4% back in Rewards for purchases
Rates & Fees
  • Regular Purchase APR: 26.99%, variable with the market based on the Prime Rate
  • Cash Advance APR: 28.99%
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of each transaction
  • Late Payment Penalty Fee: Up to $39
Credit Card Deals
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Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
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33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
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Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
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FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
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New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
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50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
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Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
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Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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Save 5% Budget Offer Expires on Dec 12, 2030 See Details

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!