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Synchrony Preferred World Mastercard®
Synchrony Preferred World Mastercard®
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% Cash Advance APR
At a Glance
The Synchrony Preferred World Mastercard® offers basic rewards and a simple redemption process, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn unlimited 1% cash back rewards on every purchase
- Contactless payment compatibility
- Regular Purchase APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater
- 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 $41
- Return Payment Penalty Fee: $39
- You have good credit
- You prefer cash back rewards as a statement credit
- You don’t want to pay an annual fee
Synchrony Plus World Mastercard®
Synchrony Plus World Mastercard®
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% Cash Advance APR
At a Glance
The Synchrony Plus World Mastercard® offers unli8mited 1% cash back on all purchases plus a simple redemption process, and more with a $0 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn unlimited 1% cash back rewards on every purchase
- Contactless payment compatibility
- Regular Purchase APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- 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 $41
- Return Payment Penalty Fee: $39
- You have good or excellent credit
- You prefer basic cash back rewards as a statement credit instead of other rewards
- You don’t want to pay an annual fee
Amazon Store Credit Card
Amazon Store Credit Card
- 29.99% variable based on the Prime Rate Regular Purchase APR
At a Glance
The Amazon Store Credit Card is a no annual fee store card from Synchrony. The card offers the option of 5% cash back or 0% APR financing on Amazon purchases, and a lot more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 5% cash back at Amazon.com and Amazon physical stores
- Special promotional financing for 6, 12, or 24 months
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- You shop with Amazon frequently
- You have an active Amazon Prime membership
- You want to earn 5% back on purchases
- You don’t want to pay an annual fee
Sam’s Club® Mastercard®
Sam’s Club® Mastercard®
- 20.9% or 28.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.9% or 28.65% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 25.90% or 31.65% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Sam’s Club® Mastercard® offers Sam’s Club members everywhere up to 5% cash back on gas purchases, 3% back on dining, and more – all for no annual fee. From Synchrony Bank, the card also features no foreign transaction fees, Mastercard’s near-global acceptance, and special savings when shopping at Sam’s locations nationwide.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
- Earn 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back
- Earn 3% cash back on dining and takeout
- Earn 1% cash back on other purchases at Sam’s Club and wherever Mastercard is accepted
- No annual fee
- Regular Purchase APR: 20.9% or 28.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.9% or 28.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.90% or 31.65% variable based on creditworthiness and the Prime Rate
- 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
- You’re a current Sam’s Club or Sam’s Club Plus member
- You frequently purchase gasoline with a credit card
- You do’t want to pay an annual fee or foreign transaction fee
- You spend heavily on dining each month
Synchrony Premier World Mastercard®
Synchrony Premier World Mastercard®
- 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% 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: 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.99%, 24.99%, or 31.99% 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%
- 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
You’ve viewed 5 of 33 credit cards
About Synchrony Bank Credit Cards
Synchrony Bank is a consumer financial services company that offers a wide range of credit products, including credit cards, loans, and other financing solutions. The bank is well known for partnering with various retail stores, manufacturers, and service providers to offer co-branded and private-label store and retail credit cards from Amazon, American Eagle, and more. Synchrony works with dozens, if not hundreds, of private companies through its credit card division to help them issue their own branded cards. Â
What Brands Offer Retail Credit Cards Through Synchrony?
As noted, scores of brands offer co-branded retail cards through Synchrony, with the following is an example of the variety of open-looped credit cards available through Synchrony:
An open loop card is a fancy way of saying a traditional card that can be used where that card’s payment network is accepted (like Mastercard or Visa). You see these basic credit cards with the payment network’s logo in the corner. Those network logos ensure that the card is accepted in countries where that network operates. For example, currently more than 204 countries accept Visa and 212 countries accept Mastercard. Â
Closed-Loop Synchrony Store Cards
Like Comenity and Citi, Synchrony is also a major issuer of closed-loop store cards. Closed-loop cards do not feature a payment network, meaning they have much more limited acceptance. Essentially, closed-loop cards only be used at the store that is featured on the card (whether in-store or online). Here are just a few Synchrony store cards:
| Mattress Firm | City Furniture | La-Z-Boy | HSN |
| Sunglass Hut | Fred Meyer Jewelers | JCPenney | Belk |
| TJX | BrandsMart USA | 76 | Guitar Center |
Other Synchrony Cards
Synchrony issues credit cards across various categories, including proprietary credit cards under the Synchrony Bank brand. That card, the Synchrony Premier World Mastercard®, is a versatile cash back card, offering unlimited 2% cash back on all eligible purchases. This decent rewards rate is comparable to leading cash back credit cards from TD Bank, Wells Fargo, Citi, and more.
The bank also issues rewards and other credit card products across a broad range of categories and specialties, including automotive, airline, hotel, secured, and more.
Common Features of Synchrony Credit Cards
Like any other issuer, there are common features you can expect from a Synchrony credit card. These features typically include many of the following:
| Rewards Programs: | Many Synchrony credit cards offer rewards programs that allow cardholders to earn points, cash back, or miles for every eligible purchase. These rewards can be redeemed for various items, including merchandise, gift cards, travel, or statement credits. | ||
| Special Financing Offers: | Synchrony credit cards frequently offer special financing options, such as zero-interest promotions for a certain period of time. These promotions can be particularly useful for large purchases, as they allow customers to pay off their balance without incurring interest during the promotional period. | ||
| Online Account Management: | Synchrony Bank provides an online portal that allows cardholders to manage their accounts, view statements, pay bills, and monitor their transactions. This portal also enables users to set up account alerts and notifications. The bank also offers a handy mobile app, with some rewards programs featuring their own apps. | ||
| Fraud Protection: | Synchrony Bank implements security measures to protect cardholders against unauthorized transactions and fraud. These measures may include real-time fraud alerts, zero-liability policies, and the ability to freeze or block the card in case of suspicious activity. | ||
Why Should You Consider a Synchrony Credit Card?
As with any issuer, there are plenty of advantages and disadvantages to applying for a card with Synchrony. There are plenty of reasons why choosing a card from Synchrony makes sense, including the impressive in-store and online discounts they offer, special promotional interest periods on select purchases, and no annual fee on several of their cards.
Additionally, Synchrony store cards – especially closed-loop store cards – offer improved application odds versus other traditional credit cards from Amex, Discover, Visa, or Mastercard. Generally, retail credit cards have lower credit score requirements, meaning those with average or near-prime credit scores can apply. These cards also tend to have lower credit limits than higher profile cards, further increasing approval odds.
Drawbacks of Synchrony Bank Credit Cards
Synchrony Bank credit cards also have some disadvantages. These shortcomings include:
- Limited Usability: As mentioned, many Synchrony credit cards are valid only at specific retailers or within a certain network. This limited usability can be a drawback if you prefer a more versatile card that can be used anywhere.
- Potentially High Interest Rates: While special financing offers can be beneficial, it’s important to note that the regular interest rates on Synchrony credit cards can be relatively high. If you carry a balance beyond the promotional period, you may incur significant interest charges unless you pay off your balance in full.
- Higher APR:Â Store and retail credit cards in general have easier credit odds, but that comes at a price. The average APR for a store card is significantly higher than other categories of card rewards, with APRs frequently north of 30% for those with average credit. These high interest rates can cause significant hardship should you continuously carry a balance.
Other Retail Card Issuers
If you can’t find what you are looking for with Synchrony, there are other options available. Other issuers of co-branded retail cards include Citi, TD Bank, Chase, Wells Fargo, Commerce Bank, FNBO, Capital One, Cardless, and Comenity (Bread).
FAQs About Synchrony
Still have questions about Synchrony Bank or its credit card products? Here are answers to some of the more commonly asked questions regarding the bank:
You can call Synchrony at 1 (866) 664-0968.
If you wish to mail a payment to Synchrony, you can send a check to:
Synchrony Bank, 140 Wekiva Springs Road, Longwood, FL 32779.
Synchrony may pull from any of the three major credit bureaus, like other lenders. It appears Synchrony prefers to use TransUnion for judging credit applications.
Yes, many Synchrony co-branded credit cards offer pre-qualification before applying. This feature is common with many card issuers.
Related Article:Â How to Pre-Qualify for a Credit Card