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TJX Rewards® Platinum Mastercard®
TJX Rewards® Platinum Mastercard®
- 32.24% variable based on the Prime Rate Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The TJX Rewards® Platinum Mastercard® has a good deal of potential for fans of T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense. With no annual fee, cardholders will earn 5% back on all store purchases which comes out to $10 off for every $200 spent.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive 10% off your first purchase (in-store or online)
- 5% back at purchases at all TJX stores
- Earn & redeem rewards at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores
- No foreign transaction fees
- No annual fee
- Regular Purchase APR: 32.24% variable based on the Prime Rate
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $38
- You shop at TJX stores (T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense) at least once every month
- You spend at least $200 at TJX stores every year
- You prefer credit card rewards in the form of store vouchers
- You will pay your balance in full every month
Venmo Visa Credit Card
Venmo Visa Credit Card
- 20.24%, 26.249% or 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Venmo Visa Credit Card is a unique twist on fintech credit cards. The card, from Synchrony Bank, offers up to 3% cash back on purchases, with rewards automatically calculated and debited into the associated Venmo account. The card also offers no annual fee and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 20.24%, 26.249% or 29.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 28.99% 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
- Return Payment Penalty Fee: Up to $30
- You already use Venmo or are interested in using it
- You want a simple, automatic rewards structure
- You don’t want to pay an annual fee or foreign transaction fee
Verizon Visa® Card
Verizon Visa® Card
- 26.99% or 30.99% variable based on the Prime Rate Regular Purchase APR
- 26.99% or 30.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Verizon Visa® Card, issued by Synchrony Bank, is an enticing rewards credit card that earns up to 4% back and features an all-metal card design, no foreign transaction fees, and no annual fee. The card is only available to current Verizon and Fios customers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 26.99% or 30.99% variable based on the Prime Rate
- Balance Transfer APR: 26.99% or 30.99% 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 $41
- Return Payment Penalty Fee: $30
- You already bundle your internet and phone services with Verizon
- You want a rewards card that earns Verizon Dollars and can help to save on those services or a new phone
- You want a metal card that provides a great first impression
- You do’t want to pay an annual fee
Techron Advantage® Visa® Card
Techron Advantage® Visa® Card
- 29.99% Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The Techron Advantage™ Visa® Card boasts no annual fee and, for a limited time, cardholders can enjoy up to 47¢ off per gallon in “fuel credits” at participating Chevron and Texaco gas stations (U.S. only).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 30¢ per gallon during first 90 days
- Earn 3-7¢ per gallon based on fuel grade (Limited time offer)
- Earn up to an extra 10¢ per gallon in Fuel Credits
- No annual fee
- Regular Purchase APR: 29.99%
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $10 or 5% 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
- You spend at least $75 on gas each month
- You will spend at least on $300 on non-gas purchases per month
- You live or work near a Chevron or Texaco station
- Your gas expenses don’t exceed $3,000 per year
CITGO Rewards® Card
CITGO Rewards® Card
- 29.99% variable based on the Prime Rate Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The CITGO Rewards Card is a retail and gas rewards credit card that saves you money while filling up at the pump. The card, from Synchrony Bank, offers five cents in savings for each gallon of fuel purchased at CITGO pumps, with new cardholders saving even more – ten cents per gallon – for the first three months. The card has no annual fee, and additional authorized users can be added to the account for no extra cost.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 10 cents on every gallon in fuel statement credits during the first three months of account opening. After that, earn 5 cents per gallon
- No annual fee
- Use your card at more than 5,500 CITGO locations
- No extra cost for adding authorized users to your account
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: $29
- You frequently purchase gasoline with a credit card
- You prefer to fill-up at the more than 5,500 CITGO locations nationwide
- You want to save on every gallon of fuel you purchase
- You do’t want to pay an annual fee
Marvel Mastercard®
Marvel Mastercard®
- 14.99%, 19.99%, 24.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% cash back on dining
- 3% cash back on entertainment
- 3% cash back at Marvel.com and official merchandise booth
- 1% cash back on all other purchases
- 20% off Marvel Avengers S.T.A.T.I.O.N. movie tickets (up to 4)
- 10% off merchandise from MarvelShop.com
- Free shipping at MarvelShop.com certain times of year
- Special discount for Marvel Universe subscription (current members)
- 3 months of free access to Marvel Universe (for non-member cardholders)
- No annual fee
- Regular Purchase APR: 14.99%, 19.99%, 24.99% 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 $37
- N/A
Norwegian Reward Card
Norwegian Reward Card
- 17.99%, 21.99% or 25.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 25.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 2% extra CashPoints on purchases directly with Norwegian
- Earn 2% CashPoints on dining and groceries, plus 1% CashPoints on all other purchases
- Regular Purchase APR: 17.99%, 21.99% or 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 25.99% 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
- N/A
Stein Mart Platinum Mastercard®
Stein Mart Platinum Mastercard®
- 26.99%, variable with the market based on the Prime Rate Regular Purchase APR
- 28.99% Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- 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 transactio
- Late Payment Penalty Fee: Up to $39
- N/A
Rakuten Cash Back Visa® Platinum Credit Card
Rakuten Cash Back Visa® Platinum Credit Card
- 25.24% variable based the Prime Rate Regular Purchase APR
- 25.24% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Extra 3% cash back on purchases made through Rakuten.com and participating retailers
- 1% cash back on all other purchases anywhere Visa is accepted
- $10 cash back bonus on first purchase with no purchase minimum
- No limit to how much cash back you can earn
- No annual fee
- Regular Purchase APR: 25.24% variable based 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, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- N/A
Nissan® Visa Signature®
Nissan® Visa Signature®
- 17.24% or 23.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 25.24% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- 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
- N/A
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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
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