Where can I use my Synchrony credit card?

Where you can use your Synchrony credit card depends on which card you have. Synchrony Bank mostly issues store credit cards, which only work at the specific retailers they’re affiliated with. But if your card has a Visa or Mastercard logo and an expiration date, it can be used pretty much anywhere.

For example, the GAP Store Card can only be used at Gap, Old Navy, Banana Republic and Athleta. But the GAP Credit Card can be used anywhere Mastercard is accepted.

Here’s where you can use popular Synchrony credit cards:

• Amazon.com Store Card: Amazon.com
• GAP Store Card: Gap, Old Navy, Banana Republic and Athleta
• Lowe's Store Card: Lowe’s
• TJX Store Card: T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post
• Toys R Us Store Card: Toys“R”Us and Babies“R”Us
• Walmart® Store Card: Walmart and Murphy USA gas

Some of those cards also have a Visa or Mastercard version that can be used basically anywhere that takes credit cards. But they generally offer the best rewards on purchases made through the stores they’re affiliated with.

Not every Synchrony Bank card can be used anywhere. There are store cards issued specifically for certain retailers, which can only be used at those stores because they’re not affiliated with a card network (such as Visa or MasterCard). Synchrony Bank cards that have a Visa or MasterCard logo, on the other hand, can be used anywhere.

That depends entirely on what Synchrony Financial credit card you own. Most Synchrony credit cards are linked to a store and can be used for purchases in that store only. If your card has a Visa, Mastercard, Discover, or American Express logo, you can use it anywhere.

Most of them are store cards, and you can only use'em at that store.