Synovus Bank Credit Cards and Reviews

Best Benefits

Credit lines available from $200 to $5,000! Super Low 9.99% variable interest rate on purchases – with no penalty rate
No minimum credit score requirements! We invite all credit types to apply. No processing or application fees
Helps strengthen your credit with responsible card use. Reports to three national bureaus
Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line
Nationwide Program though not yet available in NY, IA, AR, or WI
See website for additional Oakstone Platinum Secured Mastercard® details
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined

Rates & Fees

Regular Purchase APR: 9.99% variable based on the Prime Rate
Cash Advance APR: 18.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Annual Fee: $49
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $29
Minimum Deposit Required: $200

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Best Benefits

Credit lines available from $200 to $5,000. Low 13.99% variable interest rate on purchases – with no penalty rate
No minimum credit score requirements. We invite all credit types to apply. No processing or application fees
Helps strengthen your credit with responsible card use. Reports to three national bureaus
Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line
Nationwide Program though not yet available in NY, IA, AR, or WI
See website for additional Oakstone Gold Secured Mastercard® details
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined

Rates & Fees

Regular Purchase APR: 13.99% variable based on the Prime Rate
Cash Advance APR: 19.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Annual Fee: $39
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $29
Minimum Deposit Required: $200

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Best Benefits

Full-Feature Platinum Mastercard* Secured Credit Card
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels: Anywhere Credit Cards Are Accepted!
24/7 Online Access to Your Account
Credit Line Secured by Your Fully-Refundable Deposit of $200 – $2,000 Submitted with Application

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 12.99% variable based on the Prime Rate
Cash Advance APR: 18.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Annual Fee: $49
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $29
Minimum Deposit Required: $200

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Synovus Business Visa® Credit Card

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Regular Purchase APR 9.24%, 11.24%, 13.24%, 17.24% or 19.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 9.24%, 11.24%, 13.24%, 17.24% or 19.24% 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
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: November 18, 2021

Best Benefits

Enjoy the lowest interest rates for businesses that Synovus has to offer
0% introductory APR for the first 12 months on purchases, balance transfers and overdraft protection
No annual fee, no balance transfer fee (when requested over the phone or in person)
Issue up to 19 cards for yourself and your employees, and set individual spending limits for each card

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 9.24%, 11.24%, 13.24%, 17.24% or 19.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 9.24%, 11.24%, 13.24%, 17.24% or 19.24% 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 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 $39
Return Payment Penalty Fee: $39
Over Limit Penalty Fee: $39

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Synovus Business Rewards Visa® Credit Card

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Regular Purchase APR 11.24%, 13.24%, 15.24%, 19.24% or 21.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 11.24%, 13.24%, 15.24%, 19.24% or 21.24% 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
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: November 18, 2021

Best Benefits

No annual fee
3X points on up to $3,000 in net spending each quarter for purchases in a Dynamic Earn spending category of your choice
1X points on all other eligible purchases, with no points limit
Pay for purchases with points
Add up to 19 total cards to your account for yourself and employees; set spending limits for each card

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 11.24%, 13.24%, 15.24%, 19.24% or 21.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 11.24%, 13.24%, 15.24%, 19.24% or 21.24% 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 cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: $39
Over Limit Penalty Fee: $39

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Synovus Business Travel Rewards Visa® Credit Card

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Regular Purchase APR 11.24%, 13.24%, 15.24%, 19.24% or 21.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 11.24%, 13.24%, 15.24%, 19.24% or 21.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR 25.24% variable based on the Prime Rate
Annual Fee $0 for the first year. After that, $50
Credit Needed Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: November 18, 2021

Best Benefits

0% introductory APR on purchases, balance transfers and overdraft protection for the first 6 months
Annual fee of $50, which is waived for the first year
Earn 5X points on up to $5,000 in net spend each year for travel purchases
Earn 3X points on up to $3,000 in net spend each quarter for purchases in a Dynamic Earn category of your choice
Earn 1X points on all other eligible purchases with no limit to the number of points that can be earned
Points are worth 20% more when redeemed for travel rewards

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 11.24%, 13.24%, 15.24%, 19.24% or 21.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 11.24%, 13.24%, 15.24%, 19.24% or 21.24% 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 5% of the amount of each cash advance, whichever is greater
Annual Fee: $0 for the first year. After that, $50
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: $39
Over Limit Penalty Fee: $39

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Synovus Classic Visa® Credit Card

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Regular Purchase APR 10.24%, 12.24%, 14.24%, 18.24%, 20.24% or 21.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 10.24%, 12.24%, 14.24%, 18.24%, 20.24% or 21.24% 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
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

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Terms & Conditions

Date Reviewed: November 18, 2021

Best Benefits

No annual fee
0% introductory APR on purchases, balance transfers and overdraft protection transactions for the first 12 months after account opening
No balance transfer fee if you request a transfer over the phone or with your local banker
Auto Rental Collision Damage coverage

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 10.24%, 12.24%, 14.24%, 18.24%, 20.24% or 21.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 10.24%, 12.24%, 14.24%, 18.24%, 20.24% or 21.24% 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 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 $39
Return Payment Penalty Fee: Up to $39

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Synovus Cash Rewards Visa® Credit Card

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Regular Purchase APR 12.24%, 14.24%, 16.24%, 20.24%, 22.24% or 23.24% variable based on creditworthiness the Prime Rate
Balance Transfer APR 12.24%, 14.24%, 16.24%, 20.24%, 22.24% or 23.24% variable based on creditworthiness the Prime Rate
Cash Advance APR 25.24% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: November 18, 2021

Best Benefits

Earn 3% cash back on purchases in the dining category
Earn 3% cash back on purchases in a Dynamic Earn category of your choice, on up to $3,000 in net spending each quarter
Earn 1% cash back on all other eligible purchases, with no limit to the points you can earn
No annual fee

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 12.24%, 14.24%, 16.24%, 20.24%, 22.24% or 23.24% variable based on creditworthiness the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 12.24%, 14.24%, 16.24%, 20.24%, 22.24% or 23.24% variable based on creditworthiness the Prime Rate
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

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Synovus Rewards Visa® Credit Card

Compare Card

Regular Purchase APR 12.24%, 14.24%, 18.24%, 20.24% or 21.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 12.24%, 14.24%, 18.24%, 20.24% or 21.24% 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
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: November 18, 2021

Best Benefits

Earn 3X points on up to $3,000 in net spend each quarter for purchases in a Dynamic Earn category of your choice
Earn 1X point per dollar spent on all other purchases
No annual fee
0% introductory APR for purchases, balance transfers and overdraft protection fees for the first 12 months after account opening

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 12.24%, 14.24%, 18.24%, 20.24% or 21.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 12.24%, 14.24%, 18.24%, 20.24% or 21.24% 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 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 $39
Return Payment Penalty Fee: Up to $39

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Synovus Travel Rewards Visa® Credit Card

Compare Card

Regular Purchase APR 12.24%, 14.24%, 16.24%, 20.24% or 23.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 12.24%, 14.24%, 16.24%, 20.24% 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 for the first year. After that, $50
Credit Needed Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: November 18, 2021

Best Benefits

Earn 5X points on up to $5,000 annually in net spend for travel purchases, 3X points on up to $3,000 in net spend quarterly for a spending category of your choice, and 1X points on all eligible purchases
Earn unlimited points
Annual fee of $50 is waived for the first year
Introductory APR of 0% for purchases, balance transfers and overdraft protection – for the first 6 months the card account is open

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 12.24%, 14.24%, 16.24%, 20.24% or 23.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 12.24%, 14.24%, 16.24%, 20.24% 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 5% of each cash advance, whichever is greater
Annual Fee: None for the first year. After that, $50
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

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About Synovus Bank

Synovus Bank is a financial services company and a registered bank holding company headquartered in Columbus, Georgia. The bank is one of the largest banks in the Southern United States, with over $54 billion in total assets as of 2019.

The history of Synovus dates to 1888 and Columbus Bank and Trust Company. The company acquired a variety of other banks over its history. It also has a long history of issuing credit cards for other banks and companies, starting in 1974.

Today, Synovus issues credit cards for hundreds of other banks, in addition to its own credit card products.

Branch Locations

Synovus Bank currently operates 249 branches and 335 ATMs in the following U.S. states:

Alabama
Georgia
Florida
South Carolina
Tennessee

For a complete listing of Synovus Bank locations, please visit the bank’s site.

Synovus Bank FAQs

What’s the routing number for Synovus?

The routing number is 061100606.

What bank did Synovus just buy?

Synovus Bank recently purchases Florida Bank.

Is Synovus nationwide?

The bank currently operates in Alabama, Georgia, Florida, South Carolina, and Tennessee.

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