Synovus Bank Credit Cards

Based primarily in Georgia, with nearly 250 branches across the state and hundreds of ATMs, Synovus Bank offers both personal and business credit cards. This issuer’s card products feature rewards programs with a focus on travel rewards and cash-back options, and low-rate options for all customer needs. Browse credit cards below.

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Synovus Business Visa® Credit Card

Synovus Business Visa® Credit Card
  • Regular Purchase APR 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
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: 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 25.49% 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

Synovus Business Rewards Visa® Credit Card
  • Regular Purchase APR 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
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: 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 25.49% 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

Synovus Business Travel Rewards Visa® Credit Card
  • Regular Purchase APR 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee $0 for the first year. After that, $50
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
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: 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 9.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 25.49% 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
Credit Card Deals

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Synovus Classic Visa® Credit Card

Synovus Classic Visa® Credit Card
  • Regular Purchase APR 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
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: 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 25.49% 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

Synovus Cash Rewards Visa® Credit Card
  • Regular Purchase APR 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
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: 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 25.49% 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
Credit Card Deals

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Synovus Rewards Visa® Credit Card

Synovus Rewards Visa® Credit Card
  • Regular Purchase APR 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
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: 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 10.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 25.49% 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
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

Synovus Travel Rewards Visa® Credit Card

Synovus Travel Rewards Visa® Credit Card
  • Regular Purchase APR 10.49%,to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.49%,to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None for the first year. After that, $50
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
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: 10.49%,to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 10.49%,to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 25.49% 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
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

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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