Compare Synchrony Bank Credit Cards
Please find below credit cards offered by Synchrony Bank.

Not Offered
Not Offered
14.24% - 27.24% Variable
annual fee
$0
rewards rate
2% Cash Back
Excellent Credit
Pros
- No membership fees
- High rewards rate
- Reports to the three major credit bureaus
Cons
- No rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
Rewards Details
- 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
Additional Info
- No annual fee*
- $0 fraud liability
- Secure online and mobile app account access
- Use your Synchrony Premier card on everything from gas and groceries to your next splurge with the confidence that comes from getting great rewards without complex math or shifting reward limits.
- Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
- See More Details & Reviews About Synchrony Premier World Mastercard®

0% for 6 - 24 months
Not Offered
26.24% (V)
annual fee
$0
rewards rate
0 - 5% back in rewards
Rewards Bonus
$10 Amazon gift card
Rewards Bonus
$10 Amazon gift card
Fair Credit
Pros
- No membership fees
- $10 Amazon gift card initial rewards bonus
- Qualify with fair credit
Cons
- High Regular APR
- Deferred interest
Rewards Details
- A $10 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your credit card application.
- Amazon.com Store Cardholders who join Prime are automatically upgraded to the Amazon Prime Store Card.
- Amazon Prime Store Cardholders can earn 5% back on Amazon.com purchases.
Additional Info
- Deferred Interest Details: No Interest if paid in full within 6, 12 or 24 months on minimum purchases of $150, $600 or $800, respectively.
- Equal Monthly Payment Financing: 0% APR for 6 on minimum purchases of $150 or more. 0% APR for 12 or 24 months on purchase of at least $600.
- Get Instant Credit.
- Browse items eligible for exclusive financing offers.
- See More Details & Reviews About Amazon.com Store Card

0% for 18 - 60 months
Not Offered
26.24% (V)
annual fee
$0
rewards rate
1 point / $1
Rewards Bonus
15% discount
Rewards Bonus
15% discount
Fair Credit
Pros
- No membership fees
- 15% discount initial rewards bonus
- Qualify with fair credit
Cons
- High Regular APR
- Deferred interest
Rewards Details
- Get an extra 15% off today on select apparel, shoes, accessories, fine jewelry, watches, salon products, furniture, mattresses, home, blinds and shades. Plus 5% off select electrics/electronics, Modern Bride Design Your Dream Ring, smart watches and Tempur-Pedic. Terms Apply.
- Earn 1 point for every $1 of qualifying purchases, up to a maximum of 2,000 points in a single purchase transaction.
- Get a $10 JCPenney Rewards certificate for every 200 points.
- Earn additional JCP Rewards and discounts when you reach Gold or Platinum status with qualifying purchases and points.
- Provide your email address to get your $10 rewards via email
Additional Info
- Limited time offer - Deferred Interest Details: No interest if paid in full within 24 or 18 on qualifying furniture & mattress purchases of at least $999 or $499 (after discounts).
- Limited time offer - Equal Payment Financing: 0% APR for 60 or 48 months on qualifying furniture & mattress purchases of at least $2,499 or $1,499 (after discounts).
- See More Details & Reviews About JCPenney Credit Card

0% - 7.99% for 6 - 84 months
Not Offered
26.99%
annual fee
$0
rewards rate
5% discount
Rewards Bonus
20% discount
Rewards Bonus
20% discount
Fair Credit
Pros
- No membership fees
- 20% discount initial rewards bonus
- Qualify with fair credit
Cons
- High Regular APR
Rewards Details
- Get 20% off your purchase today when you open and use your card (up to $100 discount).
- Choose between 5% off every day and special financing.
Additional Info
- Deferred Interest Details: No interest if paid in full within 6 months on purchases of at least $299.
- Reduced APR Financing: 7.99% APR for 84 months on purchases or orders of $2,000 or more.
- Online bill pay and account management.
- See More Details & Reviews About Lowe's Store Card

Not Offered
Not Offered
17.24% - 20.24% (V)
annual fee
$95
rewards rate
1 - 2 miles / $1
Rewards Bonus
35,000 miles
Rewards Bonus
35,000 miles
Good Credit
Pros
- High rewards rate
- 35,000 miles initial rewards bonus
- No foreign fee
- Reports to the three major credit bureaus
Cons
- Membership fees
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
Rewards Details
- Limited time offer: Earn 35,000 bonus miles when you spend $3,000 in the first 90 days of account opening.
- Earn 2 miles per $1 spent on eligible Cathay Pacific travel and in-flight purchases; 1.5 miles per $1 spent on dining in the US or abroad and on purchases outside of the US and 1 mile per $1 spent on all other purchases made in the US.
- Redeem miles for airline tickets, hotels and car rentals, to everyday goods such as electronics, gift cards and more.
- Complimentary Green membership in the Marco Polo Club for the first year of enrollment.
- Enjoy 10% savings on Asia Miles Gift Miles™, Mileage Renewals and Mileage Transfer Fees online and 10% redemption discount on hotel, car rental and experiences awards through Travel Asia Miles.
- Enjoy 2-day priority redemption for discount flight award booking tickets online from time to time.
Additional Info
- Enjoy powerful benefits like Roadside Dispatch, Emergency Card Replacement and Emergency Cash Disbursement
- See More Details & Reviews About Cathay Pacific Credit Card

Not Offered
Not Offered
23.49% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Good Credit
Pros
- No membership fees
- High rewards rate
- Bonus categories
- Reports to the three major credit bureaus
Cons
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
- Foreign fee
Rewards Details
- Earn 5 points per $1 at Nissan or Infiniti retailers and on gas.
- Earn 3 points per $1 for dining at your favorite restaurants, cafés and eateries.
- Earn 1 point per $1 everywhere else Visa credit cards are accepted.
- Use reward points toward the purchase or lease of a new Nissan or Infiniti or Certified Pre-Owned vehicle, or for service and accessories at your participating Nissan and Infiniti retailers, or redeem for cash back in the form of statement credits (up to $300 per year).
Additional Info
- Search for a Nissan dealership near you that accepts the Nissan Visa Card where you can apply.
- See More Details & Reviews About Nissan Credit Card

Not Offered
Not Offered
15.90% - 23.90% (V)
annual fee
$0
rewards rate
1 - 5% Cash Back
Rewards Bonus
$30
Rewards Bonus
$30
Good Credit
Pros
- No membership fees
- High rewards rate
- $30 initial rewards bonus
- No foreign fee
Cons
- Spending caps on rewards
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
Rewards Details
- Receive $30 statement credit when you open an account and make a $30 purchase within 30 days of account opening. Terms Apply.
- Earn 5% cash back on eligible gas worldwide, including gas at Sam's Club (on the first $6,000 per year, then 1% after)
- Earn 3% cash back on dining and takeout.
- Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted
- Plus members will earn 3% cash back on all Sam’s Club purchases, plus 2% in cash rewards on eligible in-club purchases.
- Maximum of $5,000 in Cash Back rewards can be earned in a calendar year
Additional Info
- Identity theft resolution services
- See More Details & Reviews About Sam's Club® Credit Card

Not Offered
Not Offered
15.49% - 24.49% (V)
annual fee
$0
rewards rate
1 - 3% Cash Back
Good Credit
Pros
- No membership fees
- High rewards rate
- Bonus categories
- No foreign fee
Cons
- Spending caps on rewards
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Rewards Details
- Automatically earn 3% cash back on your top spend category and 2% on your second.
- Eligible categories for earning 3% & 2% back in rewards: transportation, travel, groceries, entertainment, dining & nightlife, bills & utilites, healthy & beauty, gas, up to $10,000 in purchases each year.
- Earn 1% on all other eligible purchases.
Additional Info
- Your card comes with its own unique QR code on the front, making it easier to perform transactions with other Venmo users.
- The Venmo Credit Card is available for select customers to apply using the latest version of the Venmo app.
- See More Details & Reviews About Venmo Credit Card

Not Offered
Not Offered
20.24% - 25.24% (V)
annual fee
$0
rewards rate
1 - 3% Cash Back
Rewards Bonus
$10
Rewards Bonus
$10
Good Credit
Pros
- No membership fees
- High rewards rate
- $10 initial rewards bonus
- Reports to the three major credit bureaus
Cons
- No intro APR on purchases
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
Rewards Details
- $10 First Purchase Bonus after the first purchase using your Rakuten Credit Card. No minimum purchase amount required.
- Extra 3% Cash Back (in addition to Cash Back earned on purchases for shopping through Rakuten) on qualifying purchases made through Rakuten.com, in Store Cash Back Offers, Rakuten Dining and Rakuten Gift Card Shop.
- 1% Cash Back on purchases everywhere else Visa credit cards are accepted.
Additional Info
- Peace of Mind thanks to zero-fraud-liability policy and Visa benefits like Price Protection and Return Protection.
- Enjoy Apple Pay™, Google Pay™ and Samsung Pay.
- See More Details & Reviews About Rakuten Credit Card

Not Offered
Not Offered
25.49%
annual fee
$0
rewards rate
1 - 3 points / $1
Rewards Bonus
20% discount + $10
Rewards Bonus
20% discount + $10
Good Credit
Pros
- No membership fees
- High rewards rate
- 20% discount + $10 initial rewards bonus
- Reports to the three major credit bureaus
Cons
- Spending caps on rewards
- No intro APR on purchases
- No balance transfers allowed
- Foreign fee
Rewards Details
- Save 20% all day when you open an account. Plus, earn $10 Bonus Belk Rewards Dollars when you make a purchase with a new Card today.
- Earn 3 Points per $1 spent (3% Back in Rewards) at Belk or Belk.com.
- Earn 2 Points per $1 spent (2% Back in Rewards) on grocery and fuel purchases.
- Earn 1 Point per $1 spent (1% Back in Rewards) on all other purchases everywhere Mastercard is accepted.
- Every 1,000 Points = $10 Belk Reward Dollars with No Brand Exclusions.
- 20 Exclusive Savings Events Each Year.
- Spend $600 - $1,499.99 per year on Belk purchases and earn 4 points (4% Back in Rewards) or spend $1,500 + and earn 5 points (5% Back in Rewards) on Belk purchases.
Additional Info
- Receipt Free Returns. Bonus Rewards Events.
- Cardholder Savings Day of the Month.
- Early Access to In Store Promotions and Events.
- See More Details & Reviews About Belk Credit Card

Not Offered
Not Offered
25.99% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Rewards Bonus
20% discount
Rewards Bonus
20% discount
Good Credit
Pros
- No membership fees
- High rewards rate
- 20% discount initial rewards bonus
- Reports to the three major credit bureaus
Cons
- No intro APR on purchases
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Get 20% off the first time you use the credit card at each of the family brands in the first 14 days.
- Earn 5 points per $1 spent at Gap, Banana Republic, Old Navy and Athleta, and 1 point for every $1 spent everywhere Visa® credit cards are accepted. Every 100 points = $1 reward redeemable across the family brands, no merchandise restrictions.
- Reach Icon status by earning 5,000 points in a calendar year or $1,000+ Annual Brand Spend.
- Get 250 bonus points each quarter that you make a purchase at the family of brands.
- Family of Brands Bonus: Unlock up to 2,000 bonus points annually when you shop at 2 or more Gap Inc. brands.
- Birthday Bonus: Celebrate your birthday with extra perks.
- Free and fast shipping on orders of $50 or more. Early access to select sales for cardmembers.
Additional Info
- Access your account online 24/7.
- Zero fraud liability.
- See More Details & Reviews About GAP Credit Card
Synchrony Bank Credit Card Reviews
What's Your Rating?
To purchase more in the near future as needed for home improvements. I've also recommended Rooms to Go to All My Family an Friends!!
before the 6 month mark, not only are my monthly payments @ $500 +/- per month, my regular charge items are accumulating a high amount of interest, and they are charging me a "Security FEE" of almost $35 +/- a month. out of the 500 bucks being sent, almost 100 dollars are being diverted from my expenses.
I call and asked them again, they explained to me, if you pay off your regular balance in full, ($1000 or less), then my money will be distributed just on by promotional balance. I thought this was setup already, wth?
So I go through the process again.. they set it up, right? Next month another statement the same thing again! I called and canceled, they had zero care in the world, gave me that fake polite tone saying, "have a good day.. buh bye."
I have my Amex @ close to 10K that I need to pay.. my monthly minimum is nowhere near that, and I always make extra payments. In the long run, I will end up paying less then or about 500 bucks extra to Amex for that 10K + extra payments a month vs the already two months @ 3K or less, and have already payed close to $200 already with the hidden fees.
Total scam, if you do choose to get this card, avoid the regular balance charges, they will get you with that while you have time to pay on the promotional balance. I totally canceled my card today after almost 5 years with it. I have had way to many of these discussions with them on the phone before, it never gets better and only gets worse.
Synchrony Bank Credit Card Q&A
Get answers to your questions about Synchrony Bank Credit Cards below. For more general questions, visit our Answers section.
- Most Popular
- Most Upvotes
How do I make an Amazon Store Card payment?
The easiest way to make an Amazon.com Store Card payment, is either by logging in to your online account or by calling (866) 634-8379. Alternatively, you can pay your Amazon.com Store Card by mail.
Here's how to make an Amazon.com Store Card payment:
- Online: Log in to your online account to schedule a payment. You can make a payment any day during the billing period up to the due date. From the Payments tab, scroll and click “Make a Payment.” Select the payment amount and include your bank's routing number and account information. Verify your payment information and click “Make a Payment.”
Alternately, you can skip login or registration and pay as a guest.
- By phone: Call customer service 24/7 at (866) 634-8379. When prompted, press “1” and enter your account number, or your Social Security number (SSN). Follow the voice prompts to make a payment or speak to a customer service representative. There's no charge to pay by phone, if you use the automated system, unless you ask for an expedited payment.
- Via mail: Lastly, you can send a copy of your Amazon.com Store Card monthly statement and a check or money order made out to:
Synchrony / Amazon
P.O. Box 960013
Orlando, FL 32896.
Make sure to include your account number on your payment. Synchrony Bank only accepts payments drawn from a U.S. bank account and does not allow cash payments.
Synchrony Bank offers a 23-day grace period from the close of the billing period until the payment due date. If you make your Amazon.com Store Card payment in full during this timeframe each month, you'll avoid paying interest charges.
You also have the option to set up your account for recurring payments online. After logging in, enter your bank account information and select your desired payment amount. Choose from the minimum payment due, statement balance, current balance or other amount. Synchrony will debit your account for the designated amount on the scheduled payment date each month.
It's important to note that these payment instructions are specific to the Amazon.com Store Card, which is issued by Synchrony Bank. The Amazon.com Credit Card is a separate credit card account issued by Chase Bank. Its cardholders will need to contact Chase with any payment questions.
How can I pay my Lowe's Credit Card?
The easiest way you can pay your Lowe's Store Card is either online or by phone at (800) 444-1408. Alternatively, you can pay your credit card bill in store or by mail.
Here's how you can pay your Lowe's Store Card:
- Online: You can pay your Lowe's Store Card online, either by signing in to your account or paying as a guest. You can even set up AutoPay to have your bill paid automatically each month.
- By phone: If you want to pay by phone, call (800) 444-1408 and follow the prompts.
- In store: You can also make a Lowe's Store Card payment in any Lowe's store location, at the customer service desk.
- Via mail: Lastly, you can also pay your bill by sending it via mail. The address is:
Lowe's
P.O. Box 530914
Atlanta, GA 30353-0914
For the Lowe's Visa Rewards use:
Lowe's
P.O. Box 960010
Orlando, FL 32896-0010
How can I pay my TJX Credit Card?
If you would rather mail in a payment, send your TJX Credit Card payment to:
Mastercard Accounts
P.O. Box 530949
Atlanta, GA 30353-0949
How can I pay my Old Navy Credit Card?
You can pay your Old Navy Credit Card:
- Online by signing in to your account or paying as a guest
- Over the phone by dialing (866) 450-5294
- Via mail at the following address:
Old Navy Visa
PO Box 960017
Orlando, FL 32896-0017
Don't forget that mail payments take at least 5-7 days to post, so make sure to send them well before your due date. This way, you can avoid being charged with late fees. On the other hand, online and phone payments will be processed within 1-3 business days.
How can I pay my Toys R Us credit card?
The easiest way to pay your Toys R Us Credit Card is online. After you've logged in, click "Payments" and then "Make a Payment." Select the payment amount, date, and your preferred checking account to pay from. After reviewing your payment, click "Submit."
Your second option is to call (844) 406-7427 and make a payment over the phone. Make sure you have your checking account number and routing number handy before calling.
Ultimately, the third option is to mail a check and the payment coupon from your statement to Mastercard, P.O. Box 530939, Atlanta, GA 30353-0939.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.