Synchrony Credit Cards
Popular Synchrony Bank Credit Cards
Below, you can compare the most prominent Synchrony Bank credit cards to find the best offer for your needs. You can also check your latest credit score for free on WalletHub to get a feel for your Synchrony Bank credit card approval odds. If you have a question about an existing account, call the number on the back of your card or the Synchrony Bank customer service line (1-866-664-0968).

Secured Card
Min Deposit of $100
One-Time Fees
$0
10%
annual fee
$0
monthly fee
$0
Bad Credit
Pros
- No membership fees
- Low regular APR
- Qualify with bad credit
Cons
- Requires security deposit
Additional Info
- You can submit a refundable security deposit from $100 to as much as $1,000, which will be your credit limit.
- Report to 3 major credit bureaus every month which may help improve your credit.
- Synchrony Bank will review your account in 12 months to determine if you’re eligible for an upgrade to an unsecured card. If and when you’re upgraded, your security deposit will be returned.
- Cardholders with an eligible Prime membership are instantly upgraded to the Amazon Prime Store Card Credit Builder and you can earn 2% back everyday.
- More Details & Reviews About Amazon.com Secured Credit Card

0% - 9.99% for 6 - 120 months
Not Offered
26.99%
annual fee
$0
rewards rate
5% discount
Bonus Offer
20% discount
Bonus Offer
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.
- Limited time offer: Deferred Interest Details: No interest if paid in full within 12 months on Appliances, Installed Heating, Ventilation and Air Conditioning purchases of at least $299.
- Fixed Rate Financing: 7.99% APR for 84 months on a minimum purchases of at least $2,000.
- Limited time offer: Fixed Rate Financing: 9.99% APR for 120 months on For Installed Heating, Ventilation and Air Conditioning purchases or orders of $2,500 or more.
- Online bill pay and account management.
- More Details & Reviews About Lowe's Store Card

0% for 6 - 24 months
Not Offered
29.99% (V)
annual fee
$0
rewards rate
0 - 5% back in rewards
Bonus Offer
$60
Bonus Offer
$60
Fair Credit
Pros
- No membership fees
- $60 initial rewards bonus
- Qualify with fair credit
Cons
- High regular APR
- Deferred interest
Rewards Details
- A $60 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 or 12 months on minimum purchases of $150 or $600, respectively. No Interest if paid in full within 24 months on select purchases.
- Equal Monthly Payment Financing: 0% APR for 6 or 12 months on minimum purchases of $50 or $600, respectively. 0% APR for 24 months on select purchases.
- Get Instant Credit.
- Browse items eligible for exclusive financing offers.
- Choose between 5% eligible purchases or promotional financing.
- More Details & Reviews About Amazon.com Store Card

0% for 18 months
Not Offered
30.74% (V)
annual fee
$0
rewards rate
1 point / $1
Bonus Offer
35% discount
Bonus Offer
35% discount
Fair Credit
Pros
- No membership fees
- 35% discount initial rewards bonus
- Qualify with fair credit
Cons
- High regular APR
- Deferred interest
Rewards Details
- Get an extra 35% off original, regular and sale-priced apparel, shoes, accessories, fine jewelry, and home purchases when you open and use your card.
- Earn 1 point per $1 on JCPenny purchases with your credit card up to the point maximum (2,000) on a single purchase.
- Receive extra 20% and 5% on other select merchandise.
- Get a $10 JCPenney Rewards certificate for every 200 points.
- Earn additional JCP Rewards and discounts when you reach Gold by spending of at least $500 annually on merchandise or services or Platinum status by spending of at least $1,000 annually on merchandise or services.
Additional Info
- One application with two options you can get approved for. You can apply for the JCPenney Store Card but the system will determine if you are eligible for either a Mastercard version or the Store Card.
- Limited time offer - Deferred Interest Details: No interest if paid in full within 18 months on qualifying furniture & mattress purchases of at least $499 (after discounts).
- More Details & Reviews About JCPenney Credit Card

Not Offered
Not Offered
21.74% - 24.74% (V)
annual fee
$95
rewards rate
1 - 2 miles / $1
Bonus Offer
35,000 miles
Bonus Offer
35,000 miles
Good Credit
Pros
- High rewards rate
- 35,000 miles initial rewards bonus
- No foreign fee
Cons
- Membership fees
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
Rewards Details
- Earn 35,000 Asia 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.
- Miles earned on or after Jan 1, 2020 don't expire if you earn or redeem miles at least once every 18 months.
- Primary cardholders may check in at the Premium Economy class airport check-in counters. Travel companion(s) can also enjoy this benefit when travelling with the Primary cardholder.
- 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.
Additional Info
- Enjoy powerful benefits like Roadside Dispatch, Emergency Card Replacement and Emergency Cash Disbursement
- More Details & Reviews About Cathay Pacific Credit Card

Not Offered
Not Offered
25.49%
annual fee
$0
rewards rate
1 - 4 points / $1
Bonus Offer
20% discount + $10
Bonus Offer
20% discount + $10
Good Credit
Pros
- No membership fees
- High rewards rate
- 20% discount + $10 initial rewards bonus
Cons
- 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 4 Points per $1 spent (4% Back in Rewards) at Belk or Belk.com.
- Earn 2 Points per $1 spent (2% Back in Rewards) on grocery and gas purchases.
- Earn 1 Point per $1 spent (1% Back in Rewards) on all other purchases everywhere Mastercard is accepted.
- Get $10 on your birthday.
- Every 500 Points = $5 Belk Reward Dollars with No Brand Exclusions.
- Free Standard Shipping 2x per year. Terms and conditions apply.
- Spend $300 - $999.99 per year on Belk purchases and earn 5 points (5% Back in Rewards) or spend $1,000 + and earn 7 points (7% Back in Rewards) on Belk purchases.
Additional Info
- VIP Savings Events.
- More Details & Reviews About Belk Credit Card

Not Offered
Not Offered
20.40% - 28.40% (V)
annual fee
$0
rewards rate
1 - 5% Cash Back
Bonus Offer
$30
Bonus Offer
$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
- More Details & Reviews About Sam's Club® Credit Card

Not Offered
Not Offered
19.99% - 28.99% (V)
annual fee
$0
rewards rate
1 - 3% Cash Back
Good Credit
Pros
- No membership fees
- High rewards rate
- Bonus rewards categories
- No foreign fee
Cons
- No initial rewards bonus
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
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 & utilities, healthy & beauty, gas.
- 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.
- More Details & Reviews About Venmo Credit Card

Not Offered
Not Offered
29.99%
annual fee
$0
rewards rate
3 - 10 ¢ / gallon
Good Credit
Pros
- No membership fees
- High rewards rate
- Bonus rewards categories
Cons
- Spending caps on rewards
- No initial rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Rewards Details
- Earn 37¢ per gallon in fuel credits for the first 90 days of account opening.
- Earn ongoing 3¢ per gallon on Regular or Diesel. Earn 6¢ per gallon on PLUS and 8¢ per gallon on Supreme/Premium in fuel credits when you pay with your Card in the Chevron or Texaco mobile app, available for a limited-time through 9/30/2023. After 9/30/2023 continue earning 3¢ per gallon on all fuel grades.
- Earn up to 10 cents per gallon in Fuel Credits when you make qualifying purchases outside of fuel merchants during a billing period. Earn 2 cents per gallon for spending $100 per billing cycle, 4 cents per gallon for $200, 6 cents per gallon for $300, 8 cents per gallon for $400 and 10 cents per gallon for $500.
- A maximum of $300 in total Visa Spend Fuel Credits may be accrued and redeemed or earned in any calendar year.
Additional Info
- Pay at the pump with your card at nearly 8,000 Chevron and Texaco stations nationwide.
- Zero Fraud Liability for unauthorized charges regardless of the amount.
- Enjoy exclusive cardholder savings throughout the year.
- More Details & Reviews About Chevron and Texaco Credit Card

Not Offered
Not Offered
21.74% - 29.99% (V)
annual fee
$0
rewards rate
1 - 4 points / $1
Bonus Offer
10% discount
Bonus Offer
10% discount
Good Credit
Pros
- No membership fees
- High rewards rate
- 10% discount initial rewards bonus
- No foreign fee
Cons
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
Rewards Details
- 10% off first in-store credit card purchase. Maximum $75 discount.
- 4 Rewards Points for every $1 spent at Fleet Farm.
- 1 Rewards Point for every $1 spent everywhere else Visa credit cards are accepted.
- Earn $25 Fleet Rewards Gift Cards for every 2,500 Rewards Points earned.
- Rewards Points & Fleet Rewards Gift Cards never expire.
Additional Info

Not Offered
Not Offered
23.24% - 30.24% (V)
annual fee
$0
rewards rate
1 - 4% in Verizon Dollars
Bonus Offer
$100
Bonus Offer
$100
Good Credit
Pros
- No membership fees
- $100 initial rewards bonus
- Bonus rewards categories
- No foreign fee
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Rewards Details
- Get a $100 statement credit after making a purchase within the first 90 days of account opening.
- Earn 4% on grocery store and gas purchases; 3% on dining purchases, including takeout.
- Earn 2% on Verizon purchases, and 1% on all other purchases.
- Cash Back is received in the form of Verizon Dollars which can be redeemed for credits to pay for Verizon products and services. No limits on how much you can earn, no expiration dates.
- 2 free TravelPass days per calendar year (a $20 value). TravelPass eligibility rules apply.
- Get up to $10/month off each eligible account or line with Auto Pay, up to 12 lines max on select plans.
Additional Info
- Must be a Verizon wireless customer to be eligible. Verizon wireless accounts with more than 12 phone lines and Prepaid accounts are not eligible to apply.
- There are two versions of this card, a Signature or Platinum account with different costs and/or benefits. All details expressed here are for the Signature account.
- More Details & Reviews About Verizon Credit Card
Synchrony Bank Credit Card Reviews
What's Your Rating?
site.Fredrick H Martinez.
I save $$$ by purchasing better than really good tires for my car at better prices I can afford monthly & have tires to help my car perform better.
Thanks so much.
I love Amazon; the best customer service ever, and everything you need in one place, at the best prices. Even if something happens with a package they help in everything to make you feel better, secure and confortable.
I’m in love with the opportunity and be part of the big family. And everything they sell, never change anything of them. Best prices ever! And the store it’s always clean.
Questions & Answers
Get answers to your questions about Synchrony Credit Card Reviews 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 you can pay your Amazon.com Store Card 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. - Over the 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.
Here's how to set Amazon.com Store Card automatic payments:
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 and its payment methods are different.
How can I pay my Lowe's Credit Card?
The easiest way you can pay your Lowe's Store Card is either online or over the 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 into your account or paying as a guest. You can even set up AutoPay to have your bill paid automatically each month.
- Over the 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
You should note that paying your credit card bill by mail takes the longest. Make sure to send it at least 7 days before the due date, so that it won't be late. Write your name and credit card number on the check, too.
How can I pay my Toys R Us Credit Card?
The easiest way to pay your Toys R Us Credit Card is online. Alternatively, you can make a payment over the phone at (844) 406-7427 or via mail. To make a payment for the Toys R Us Store Card you should call (855) 389-2365 instead. The issuer allows you to make automatic payments, too.
How to Pay Your Toys R Us Credit Card
- Online: Log in to your account and click on "Payments." Then, click on the "Make a Payment" button. Next, select the payment amount, date, and your preferred checking account to pay from. After reviewing your payment, click "Submit."
- Over the phone: Call (844) 406-7427 and follow the prompts. If you want to reach a live representative to help you out, say “I want to make a payment” and then “customer service.” To pay your Toys R Us Store Card bill, call (855) 389-2365 instead.
- Via mail: Mail a check or money order (but not cash) to:
Toys R Us Mastercard
P.O. Box 530939
Atlanta, GA 30353-0939
Toys R Us Store Card address:
Toys R Us Card
P.O. Box 530938
Atlanta, GA 30353
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Also, include your credit card number on your payment to avoid any processing delays.
How do I make a payment to Synchrony Bank?
You can make a Synchrony Bank credit card payment online, over the phone, through the MySynchrony mobile app, by mail, or at Western Union. Synchrony accepts electronic transfers from a linked bank account, checks, money orders, or cash, depending on how you send your payment.
How to Make a Synchrony Credit Card Payment Online
- Log in to your credit card's online account from the Synchrony website.
- Click “Make a Payment.”
- Select the payment amount, the date you want the payment to be made, and your preferred payment account.
- Click “Submit Payment for Review.”
- After reviewing your payment, click "Submit."
Other Ways to Make a Synchrony Payment
Synchrony offers a “Pay Without Log In” feature that allows you to make same-day credit card payments online without logging in to your account.
You can also mail in a Synchrony credit card payment. For store credit cards (also called “private label” cards), send a check or money order to:
Synchrony Bank,
P.O. Box 960061,
Orlando,
FL 32896.
Synchrony Bank,
P.O. Box 960013,
Orlando,
FL 32896.
To pay your Synchrony Bank credit card bill over the phone, call the number on the back of your credit card, or find your card's customer service phone number on the Synchrony website. Make sure to have your credit card handy to verify your account information. Also be aware that Synchrony may charge a fee to pay by phone, and the fee amount may vary from card to card.
Once you've made a payment – or in the case of mailed payments, once Synchrony receives it – it will post to your account within 48 hours.
How do I contact Synchrony Bank?
The easiest way you can contact Synchrony Bank is either online, or by calling (877) 295-2080. You can also send them a secured email, or contact them via mail. Here's how you can contact Synchrony Bank in more detail:
- Online: You can chat with Synchrony's virtual assistant online by selecting your account type from Synchrony's credit card partners listed on its website. Then, select “account access” and you will be redirected to the credit card partner's webpage you chose. Once you are there, select the Chat icon, or log in to your account and select “Chat Now.”
- Over the phone: You can also reach a Synchrony Bank representative by calling either the number on the back of your card, or (877) 295-2080.
- By secured email: You can send them a secured email by logging in to your account on their site and selecting “Messages.”
- By mail: In case you want to contact them via mail, here's their address:
Synchrony Bank
P.O. Box 965030
Orlando, FL 32896-5030
You can also check Synchrony Bank's FAQ page to see if there's already an answer to your question.
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