Report Abuse
1 Star Rating
Verified CustomerIt can be hacked easily. I don't like and it won't allow me to freeze it. I get emails everyday say someone has placed a high charged on the account. I HATE it.
Product: Amazon.com Store Card
Comment
Ad Disclosure
Compare Synchrony Bank Credit Cards
Please find below credit cards offered by Synchrony Bank.
Updating Results
Secured Credit CardMin Deposit of $100
One-Time Fees$0
Regular APR10%
Secured Card
Min Deposit of $100
One-Time Fees
$0
Regular APR
10%
annual fee
$0
monthly fee
$0
minimum credit
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
Purchase Intro APR0% - 7.99% for 6 - 84 months
Transfer Intro APRNot Offered
Regular APR26.99%
Purchase Intro APR
0% - 7.99% for 6 - 84 months
Transfer Intro APR
Not Offered
Regular APR
26.99%
annual fee
$0
rewards rate
5% discount
Bonus Offer
20% discount
Bonus Offer
20% discount
minimum credit
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
- More Details & Reviews About Lowe's Store Card
Purchase Intro APR0% for 6 - 24 months
Transfer Intro APRNot Offered
Regular APR29.74% (V)
Purchase Intro APR
0% for 6 - 24 months
Transfer Intro APR
Not Offered
Regular APR
29.74% (V)
annual fee
$0
rewards rate
0 - 5% back in rewards
Bonus Offer
Up to $10
Bonus Offer
Up to $10
minimum credit
Fair Credit
Pros
- No membership fees
- Up to $10 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 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
Purchase Intro APR0% for 18 months
Transfer Intro APRNot Offered
Regular APR29.74% (V)
Purchase Intro APR
0% for 18 months
Transfer Intro APR
Not Offered
Regular APR
29.74% (V)
annual fee
$0
rewards rate
1 point / $1
Bonus Offer
35% discount
Bonus Offer
35% discount
minimum credit
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 select purchases when you open and use your card.
- Receive Extra 20% and 5% on select merchandise.
- 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
- 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
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR20.74% - 23.74% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
20.74% - 23.74% (V)
annual fee
$95
rewards rate
1 - 2 miles / $1
Bonus Offer
35,000 miles
Bonus Offer
35,000 miles
minimum credit
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
- 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
- More Details & Reviews About Cathay Pacific Credit Card
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR25.49%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
25.49%
annual fee
$0
rewards rate
1 - 4 points / $1
Bonus Offer
25% discount + $10
Bonus Offer
25% discount + $10
minimum credit
Good Credit
Pros
- No membership fees
- High rewards rate
- 25% discount + $10 initial rewards bonus
Cons
- No intro APR on purchases
- No balance transfers allowed
- Foreign fee
Rewards Details
- Save 25% 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 1,000 Points = $10 Belk Reward Dollars with No Brand Exclusions.
- 20 Exclusive Savings Events Each Year.
- 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
- Receipt Free Returns. Bonus Rewards Events.
- Cardholder Savings Day of the Month.
- Early Access to In Store Promotions and Events.
- More Details & Reviews About Belk Credit Card
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR19.4% - 27.4% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
19.4% - 27.4% (V)
annual fee
$0
rewards rate
1 - 5% Cash Back
Bonus Offer
$30
Bonus Offer
$30
minimum credit
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
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR18.99% - 27.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
18.99% - 27.99% (V)
annual fee
$0
rewards rate
1 - 3% Cash Back
minimum credit
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
Purchase Intro APR0% for 12 months
Transfer Intro APRNot Offered
Regular APR21.74% - 28.74% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
Not Offered
Regular APR
21.74% - 28.74% (V)
annual fee
$0
rewards rate
1 - 4% in Verizon Dollars
Bonus Offer
$100
Bonus Offer
$100
minimum credit
Good Credit
Pros
- No membership fees
- 0% intro APR on purchases
- Bonus rewards categories
- No foreign fee
Cons
- No initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- 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
- Equal Payment Financing: 0% APR for 12 months on select accessory purchases on a minimum purchase of at least $100.
- 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
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR29.74% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
29.74% (V)
annual fee
$0
rewards rate
5 - 15 points / $1
Bonus Offer
20% discount
Bonus Offer
20% discount
minimum credit
Good Credit
Pros
- No membership fees
- High rewards rate
- 25% discount initial rewards bonus
Cons
- Spending caps on rewards
- No intro APR on purchases
- No balance transfers allowed
- Foreign fee
Rewards Details
- Get 20% off your first purchase in store or online at ae.com or aerie.com.
- Earn 15 points per dollar spent on AEO purchases. Earn 5 points per dollar spent everywhere else Visa is accepted.
- Get a $5 reward for every 1,250 points earned.
- Earn double points on qualifying jeans purchases (30 points per dollar).
- Get a 20% off birthday coupon. Plus, get free standard shipping & returns.
- Achieve Level 3 by spending more than $350 a year at AEO Locations and start earning 20 points per dollar spent on AEO purchases.
Additional Info
- $0 fraud liability, mobile and online account management.
- More Details & Reviews About American Eagle Outfitters (AEO) Credit Card
Purchase Intro APR0% for 6 months
Transfer Intro APRNot Offered
Regular APR22.74% - 29.74% (V)
Purchase Intro APR
0% for 6 months
Transfer Intro APR
Not Offered
Regular APR
22.74% - 29.74% (V)
annual fee
$0
rewards rate
2 - 6 points / $1
Bonus Offer
$50
Bonus Offer
$50
minimum credit
Good Credit
Pros
- No membership fees
- High rewards rate
- $50 initial rewards bonus
Cons
- No balance transfers allowed
- High regular APR
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Earn a $50 statement credit when you make purchases of $500 or more (excluding promotional financing purchases) during the first 90 days of opening your account.
- Earn 6 Points for every dollar spent on OneTravel.com.
- Earn 4 Points for every dollar spent on dining.
- Earn 2 Points for every dollar spent on purchases, everywhere Visa Credit Cards are accepted.
- Redeem Points on Flights, Hotels & Cars on OneTravel.com.
Additional Info
- Deferred Interest Details: No Interest if Paid in Full within 6 months on purchases of $399 or more (after discounts) made on OneTravel.com with your OneTravel Credit Card.
- Travel Benefits: Lost Luggage Reimbursement, Roadside Dispatch, Trip Cancellation/ Interruption and Travel Accident Insurance.
- Emergency Card Replacement & Emergency Cash Replacement.
- More Details & Reviews About OneTravel Credit Card
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
Synchrony Bank Credit Card Reviews
3.4
15,379 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Report Abuse
5 Star Rating
Verified CustomerCare Credit is an amazing card, I use for medical/veterinary visits and they usually have a 12mo 0% apr. I try to break it into 12 equal monthly payments to avoid interest
Product: CareCredit Credit Card
Comment
Report Abuse
5 Star Rating
Verified CustomerCustomer has been awesome, throughout the years. Best people ever! I am always treated kindly, and they always go out of their way, when needed.
Product: Amazon.com Store Card
Comment
Report Abuse
1 Star Rating
Verified CustomerBank likes to give you a great credit limit and then lower your credit limit without notice. Even if you always make on time payments and have never defaulted.
Product: Synchrony Bank Credit Cards
Comment
Report Abuse
1 Star Rating
This bank is a joke. They took $2500 when it was suppose to be a $250 payment to care credits. Then they refunded the $2500. Then mailed me a $2500 check and are claiming I owe them $5k now. During this same time they cancelled my Lowe's credit card, without a rhyme or reason. Their solution is for me to cash the check and pay them with it and to re-apply for the Lowe's card.. That doesn't fix the $2500 extra they claim I owe.. WTH is going on. May have to report them to the CFPB.
Avoid this bank at all cost..
Avoid this bank at all cost..
Product: Synchrony Bank Credit Cards
Comment
Report Abuse
1 Star Rating
Verified CustomerThis bank is horrible. Do not get sucked in. All credit cards I have reward you for making on time payments over extended periods of time. This bank lowered my credit limit as soon as I paid my loan down ( on time every month ). Then they closed my account completely once my loan was paid off. This obviously lowered my credit score. All other banks keep my account open and raise my credit limit after paying something off on time or early. They don’t value loyal customers at all whatsoever.
Product: Synchrony Bank Credit Cards
Comment
Report Abuse
5 Star Rating
Verified CustomerThis card not only saves me money on gas (5% cash back), but also awards us cash back for shopping in store being that it is a wholesale club we purchase many things every time we go there for the cash back more than pays for the annual membership fees. It also pays on average about two monthly payments when it is all said, and done, the APR is considerably lower than other cards right now and I can see myself keeping it for a long time
Product: Sam's Club® Credit Card
Comment
Report Abuse
5 Star Rating
Verified CustomerI love this card since it is accepted everywhere. I purchase most of my kitchenware, bedding, and clothes from Marshalls due to the amazingly low prices on quality, name-brand products.
Product: TJX Credit Card
Comment
Report Abuse
2 Star Rating
Paypal won't allow me to change my payment due date! It's such a simple request. This is ridiculous. Be careful of the interest rate as well. Good luck.
Product: PayPal Cashback Credit Card
Comment
Report Abuse
5 Star Rating
I use this card for every single thing I purchased. No matter what. And then every month I have about 30 to 40 bucks off of my bill for my cell phone. Perfect.
The app is slightly outdated, and doesn't update your balance quickly. I'd also like to clearly see my credit limit whenever I want, which doesn't seem possible. Plus you have to go to a completely different site to see your cash back amount, and can't see what it's for until you get your statement. I'd like to see it right away, I buy gas, I log on I see that I bought gas and how much cash back I got for that gas.
But those are minor. And for some reason I feel like the cash back is capped. I get 4% off groceries on another card, and if I spend $250 on that card I get the cash back right away and it always seems double more than my Verizon card.
The app is slightly outdated, and doesn't update your balance quickly. I'd also like to clearly see my credit limit whenever I want, which doesn't seem possible. Plus you have to go to a completely different site to see your cash back amount, and can't see what it's for until you get your statement. I'd like to see it right away, I buy gas, I log on I see that I bought gas and how much cash back I got for that gas.
But those are minor. And for some reason I feel like the cash back is capped. I get 4% off groceries on another card, and if I spend $250 on that card I get the cash back right away and it always seems double more than my Verizon card.
Product: Verizon Credit Card
Comment
Review Synchrony Bank Credit Cards
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 Popular
- Most Upvotes
Questions sort
How do I make an Amazon Store Card payment?
11
UpvotesReply
WalletHub
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.
View more answers
How can I pay my Lowe's Credit Card?
6
UpvotesReply
Maria Adams
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?
3
UpvotesReply
WalletHub
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.
How can I pay my Synchrony Bank credit card?
13
UpvotesReply
WalletHub
You can make a Synchrony Bank credit card payment online, over the phone, or by mail with a check or money order. Synchrony also accepts payment by Western Union, bill payment checks from banks, and Walmart Bill Pay. The easiest way to pay a Synchrony credit card bill is online. After you've logged in, click "Payments,” then, “Make a Payment.” Select the payment amount, date and your preferred checking account to pay from. After reviewing your payment, click "Submit."
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 32896-0061. For Visa cards and Mastercards, send payment to: Synchrony Bank / P.O. Box 960013 / Orlando, FL 32896-0013.
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?
12
UpvotesReply
Maria Adams
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.
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.