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CareCredit® Rewards™ Mastercard™
CareCredit® Rewards™ Mastercard™
- 29.99% Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The CareCredit® Rewards™ Mastercard™ is an infinitely useful credit card specifically designed to make medical and healthcare costs more affordable with up to payment plans ranging from 6 to 60 months. There is no annual fee and cardholders can also earn 2X points on many types of wellness and health-related expenditures.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2X points on CareCredit Network purchases
- 2X points on Health & Wellness
- 2X points at grocery stores
- 2X points at pet stores
- 1X points on all other purchases
- Redeem points for statement credit, gift cards, merchandise and more
- Regular Purchase APR: 29.99%
- Cash Advance APR: 29.99%
- 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 $41
- You have health complications or upcoming (and costly) medical procedures in the near future
- You’re responsible for healthcare expenses of children and/or the whole family
- You have a large family and need assistance paying for routine treatments such as braces or eye exams
- You have an illness-prone or injured pet
- You do not have a 2% cash back rewards card
- You have limited access to health insurance
- You enjoy very active, outdoor-based hobbies
- You own multiple one or more gym memberships
Cathay Pacific Visa Signature® Card
Cathay Pacific Visa Signature® Card
- 21.99% or 24.99% 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 Cathay Pacific Visa Signature Credit Card is a solid airline rewards card for the frequent traveler to Asia. The card benefits from a good miles-earning rate (double miles for purchases with Cathay, 1.5X miles when dining out or using the card internationally, and single miles everywhere else), as well as no foreign transaction fees, and Elite membership status for one year – good for lounge access worldwide.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 35,000 bonus Asia Miles when you spend $3,000 in the first 90 days
- Earn 2 Asia Miles per $1 spent on eligible Cathay Pacific travel and in-flight purchases.
- Earn 1.5 Asia Miles per $1 spent on dining in the U.S. or abroad
- Earn 1.5 Asia Miles per $1 spent on purchases outside of the U.S.
- Regular Purchase APR: 21.99% or 24.99% 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
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: $30
- You frequently fly with Cathay Pacific or another Oneworld airline
- You like the idea of earning 1.5X miles when using your credit card abroad
- You want complimentary lounge access for a year
Crate and Barrel Mastercard®
Crate and Barrel Mastercard®
- 32.24% variable based on the Prime Rate Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The Crate and Barrel Mastercard® offers cardholders modest savings on upscale furniture and home décor. Store purchases will earn 10% back in “Rewards Dollars” which can be redeemed for cash value at checkout, starting at $20 increments.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 10% Back in Reward Dollars
- Earn 2% in reward dollars for grocery stores
- Earn 1% in reward dollars for everything else
- No annual fee
- Exclusive cardholder events
- Regular Purchase APR: 32.24% 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 $41
- Return Payment Penalty Fee: $29
- You shop at Crate & Barrel at least every 90 days
- You expect to make a large purchase of $749 or more with your new card
- You don’t have a card with grocery store rewards
- You want a card with no annual fee
CheapOair Visa® Credit Card
CheapOair Visa® Credit Card
- 23.99% to 30.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The CheapOair Visa® is a flexible, no annual fee travel rewards credit card. Cardholders can choose between earning points from airline, hotel, car, and cruise bookings or 6-months of interest-free financing on CheapOair purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Up to 7X points on every dollar spent on Cheapoair.com
- 4X points on dining
- 2X points for all other purchases
- Earn points towards loyalty programs
- Redeem points for flight, hotel, and car rental bookings starting at 200 points
- 6 month special financing on Cheapoair.com purchases of $399+
- Regular Purchase APR: 23.99% to 30.99% 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 $41
- Return Payment Penalty Fee: $30
- You book travel arrangements using CheapOair at least once every two years
- You’re already a member of the CheapOair Rewards Program
- You have several expensive trips coming up and want to pay for them over time without interest
- You primarily travel within the United States
eBay Mastercard®
eBay Mastercard®
- 25.24%, 29.24%, or 32.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The eBay Mastercard® is ideal for heavy eBay shoppers that spend at least $1,000 through their online marketplace each year. Earn points on every transaction and redeem them for discounts at the eBay checkout – includes taxes and shipping costs.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Up to 5X points per dollar spent at eBay
- 2X points at gas stations, restaurants, and grocery stores
- 1X points on all other purchases
- Must have an eBay account in order to apply
- Regular Purchase APR: 25.24%, 29.24%, or 32.24% 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 $41
- Return Payment Penalty Fee: $29
- You’re an eBay merchant or collector
- You spend over $1,000 at eBay per calendar year
- You conduct the bulk of your eBay purchases during the first half of the year
- You’ll pay your credit card balance in full every month
Fleet Rewards® Visa®
Fleet Rewards® Visa®
- 21.49% or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% 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: 21.49% or 29.99% 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
- 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
myWalgreens™ Mastercard®
myWalgreens™ Mastercard®
- 23.24%, 29.24% and 32.44% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The myWalgreens™ Mastercard® from Synchrony offers Walgreens loyalty members additional ways to rack up rewards points outside of Walgreens and Duane Reade locations. The card features up to 10% back on purchases, 3% back on select purchases outside the brand/stores, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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 everywhere Mastercard is accepted
- Regular Purchase APR: 23.24%, 29.24% and 32.44% 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 amount of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: $29
- You’re an existing myWalgreens loyalty member
- You want to earn additional rewards outside of Walgreens or Duane Reade
- You’re okay with limited redemption options
- You do’t want to pay an annual fee
OneTravel Visa® Credit Card
OneTravel Visa® Credit Card
- 23.99% variable based on the Prime Rate Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The OneTravel Visa® Credit Card was created as a companion to OneTravel.com, a discount travel booking website. As such, cardholders earn 4 to 8 points per dollar spent on the site for flights, car rentals, vacation packages, and more. The card also offers special financing and points on everyday purchases. If you’re a fan of OneTravel and want to ramp up your savings when you book on the site, this card is worth a look.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 23.99% 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 $41
- Return Payment Penalty Fee: $30
- You plan to book travel through OneTravel.com/CheapOair.com or the app for additional rewards
- You want a card that rewards no less that 2 points per dollar on all purchases, with more for travel and dining
- You would take advantage of special financing on certain travel purchases
ScoreRewards Mastercard®
ScoreRewards Mastercard®
- 32.24% variable based on the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The ScoreRewards Mastercard is a retail credit card co-branded with DICK’S Sporting Goods to reward customers with special cash-equivalent rewards earned from purchases made directly with the retailer. The card is issued by Synchrony Bank.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 32.24% variable based on 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 transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- You love to shop at DICK’S Sporting Goods, Golf Galaxy, and Field & Stream
- You’re a current DICK’S Scorecard Rewards member
- You want a retail rewards card that does not charge an annual fee
- You prefer to earn points from your purchases at DICK’S that count towards future discounts at the store
- You want access to exclusive members-only deals, coupons, and more
Sheetz Visa® Credit Card
Sheetz Visa® Credit Card
- 29.74% variable based on the Prime Rate Regular Purchase APR
- 29.74% variable based on the Prime Rate Balance Transfer APR
- 29.99% 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: 29.74% variable based on the Prime Rate
- Balance Transfer APR: 29.74% 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: 29.99% 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 do’t want to pay an annual fee
You’ve viewed 5 of 32 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.
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.
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: 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: How to Pre-Qualify for a Credit Card
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.