Synchrony Bank is one of the largest issuers of store credit cards in the United States, offering cards affiliated with big-name brands such as Amazon, Venmo and Sam?s Club. The company also provides other financing offers and deposit accounts from its headquarters in Draper, Utah. You can learn more about Synchrony Bank below.
3.4/5 average rating among users on WalletHub
Offers credit cards, financing solutions, savings accounts, money market accounts and certificates of deposit (CDs)
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Synchrony Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 06/02/2026.
3.3
19,341 reviews
from WalletHub and across the web
19,341 reviews from WalletHub and across the web
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Synchrony Bank
Col Nathan @rsmarin
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1 Star Rating
Should be zero or negative stars. WORST CREDIT CARD EXPERIENCE I'VE EVER HAD. I got this card to get 10% off of several large rug purchases. Knowing they would attempt to charge usury interest rates (over 30%!) if I did not pay it off immediately, I called them and made a payment from my fully funded checking account fully two weeks before the payment was due. Today I got an email from them, after payment was due, asking me if I had made my payment. I thought this was odd so I logged onto the account and saw that they had not only not credited the payment, but had charged me a late fee! I called them and they said my bank had "refused payment" despite plenty of funds in my checking account, TJX sending me an email that my payment had been processed, and no notification from them that there was any issue with my payment. Then they told me it would be up to 60 DAYS to "investigate" my dispute. This is a blatant attempt to prey on gullible customers and I refuse to be one of them. DO NOT BE TEMPTED TO GET THIS CARD UNLESS YOU ARE WILLING TO WASTE YOUR TIME AND BE RIPPED OFF.
I shop at Walmart and am a Walmart+ user, so the 5% back was very enticing. The problems I have with this card, however, are quite numerable: 1. You can not add a user (ie, your spouse.) They have to apply for their own, separate card. I'm old school, I don't want a million different credit cards. 2. As of May 2026, you can not connect this card to Quicken or Quickbooks. So, if you want to keep track for business purposes, it's a big pain. 3. Their app is terrible. It pushes their other banking products but you have to hunt for your statement. So, when deciding to cancel this card or keep it, I decided to treat it like a store card and use this card at Walmart only. I've only had it since January, so maybe they will improve it. Only time will tell. But, be warned.
completely difficult to navigate and make payments, transactions take forever to post, it is a nightmare. I had the lowes American express card for years and was 100% satisfied, but when they made the terrible decision to go with synchrony bank, im almost done with doing business with lowes!
Terrible company. Holds payments for no reason with zero ability to reverse holds. They don’t want you to actually use their cards. They just want you to carry a balance.
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Product: Synchrony Bank Credit Cards
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Synchrony Bank
kevinroden17 @kevinroden17
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1 Star Rating
What a terrible customer service experience. I hope you never run into an issue with your card, because getting anything resolved is nearly impossible. They failed to send me the physical card for over two months, yet continued charging late fees and mailing statements. Since the physical card is required to create an account and make payments, I had no way to access or pay the bill. Talked to 7 people on their customer service line and they all had no idea how to help with basic requests.
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Product: Synchrony Bank Credit Cards
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Synchrony Bank
anabeljorge_1 @anabeljorge_1
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1 Star Rating
Whatever you do, don't open credit cards under synchrony. I have a care credit and at home. My care credit is used for medical appointments and at home ended up being used for bills/groceries. I am NEVER LATE on my payments and they've decreased my available credit out of nowhere. My care credit limit was decreased without warning about 2 months ago and at home today, not to where I have $200 available credit. I went from $300 available credit to about $30. Please dont do it. I know the economy sucks right now and many of us dont have other choices when it comes to paying our bills or getting groceries but they clearly don't care. As long as they get their money back plus the crazy interest they charge.
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Product: Synchrony Bank Credit Cards
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Synchrony Bank
MM MM @mmm_12384
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1 Star Rating
39.99% Interest is not worth the certificates. And, like another reviewer noted, the trailing interest after payoff is further evidence that these folks are predators. If you cannot pay your monthly bill in full for your purchases in a given month, it is not worth having this credit card. 40% interest - OMG!!! Do not fall for the 10% discount on your initial purchases upon card application. I cannot believe this card is rated 3.6/5 by this website when users ratings on average are closer to 2.6/5. Further, the interest rate posted is a lie. Just looked at my statement and the interest rate is 39.99% - maybe a black tax? STAY AWAY I SAY!!!!!
Synchrony is a SCAM!!!! Be WARNED!! They are stealing from people in a daylight! Three of my accounts were closed without notice. I never failed to pay my balance not once, but they closed and even though they’re still taking my money on Auto pay, they have reinstated the original balance of & more. I was close to paying off balances, but they closed my account and locked my access.
My credit score and reputation has been ruined by these scams. Be careful what they offer in the stores , begging you almost to open an account,…the intention is for them to make money off of your ignorance. They should be BANNED FROM OPERATING BUSINESS!!!
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Product: Synchrony Bank Credit Cards
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Synchrony Bank
Jmwai5526 @Jmwai5526
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1 Star Rating
I wish i could give zero to this fraudulent bank. I paid off my charge card 3 times but they won’t stop billing me.today is Monday 18th of may a called & talked with an arrogant lady with Indian accent, i requested to talk to supervisor & she kept me on hold for 5 minutes only to come back & say hello….hello…. 5 times and said since i can’t hear you I’ll disconnect which she did without connecting me to supervisor yet initially i was on hold for 7 minutes , don’t try to get an amazon charge card with them, they’re fraud.
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Product: Synchrony Bank Credit Cards
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Synchrony Bank
Rosie Brown @rosiabrown86
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1 Star Rating
I purchased a mattress set, the store now uses this company for payment, unaware that I had to use a card, anyway I was not explained by the merchant I was getting a card to pay for the mattress, I was waiting on a bill from the actual store. With this company you never catch up on the payment unless you can pay in full, they always add late fees even if you don't have any. You can just be done making a payment then you look and you have late fees. I would advise anyone not to deal with the bank unless you want your credit score to drop like it did mine.
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Product: Synchrony Bank Credit Cards
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Synchrony Bank
Kyle WM @kylewm7
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1 Star Rating
Long time Verizon Visa cardholder here. Just my 2 cents for anyone considering this card.
Honestly, I used to love it. The 4% back on gas and groceries is genuinely one of the better reward setups out there, especially if you use Verizon and apply the rewards toward your bill. I never had issues for years and always paid my balance in full.
Unfortunately, my experience with Synchrony Bank completely ruined the card for me.
One day I logged in and saw a message asking me to “activate a new card” even though my current card still had almost 2 years left before expiration. I contacted customer service just to make sure it wasn’t an error. Instead of investigating, they told me the card I had been actively using for years “did not match” their system and immediately canceled it and marked it as lost.
That started a ridiculous chain reaction. The replacement card arrived and couldn’t be activated because THAT card had somehow also been marked lost/stolen internally. Then another replacement got issued. Then another. At one point even corporate support somehow made things worse by issuing yet another replacement while another was already in transit.
So now I’ve gone from having a perfectly functioning card to being told to destroy multiple replacement cards and wait for a fourth card in hopes that it finally works.
Meanwhile, my online access was restricted because the account was tied to a “lost” card status, my Verizon autopay was at risk, and nobody at Synchrony could clearly explain what actually happened.
The craziest part is that there was never anything wrong with my original card. It wasn’t lost, stolen, compromised, or damaged. I simply asked a question about a weird notification in the app.
For me, this exposed some serious issues with Synchrony’s internal processes and customer service. Also pretty surprising that they don’t offer temporary digital card access or instant wallet provisioning like many other issuers do now.
The rewards are great. The banking experience behind the card was not.
I kept the account open for credit history purposes, but I honestly don’t trust the card anymore and will likely never use it again.
Stay away from this predatory type of card. The interest rate is the same as a cash advance store. I paid my card off and closed it immediately. Never again. You will never get the payments paid because the interest eats up your monthly payment. Shouldn't be allowed.
DO NOT USE-unless you want your credit destroyed! Worst credit card company ever! They use a process called "Balance Chasing" to lower your credit limit or cancel it. They usually just cancel your credit card even though you haven't missed a payment. I have had two low balance credit cards with them and both were arbitrarily canceled both of my cards even though I never missed a payment or was never late with my payment. Terrible Company!
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Product: Synchrony Bank Credit Cards
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Synchrony Bank
jill_schoenberg @jill_schoenberg
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1 Star Rating
If you are looking for a bank that has easy access to your money and values you as a client Synchrony Bank is probably not a good choice.
Bought a car on Monday and the dealership wanted to be paid by check. Monday initiated an external transfer to Chase so that I could write a check. Transaction failed due to daily limit restrictions. Initiated another transaction for the daily limit amount. On Tuesday the Monday transaction shows deducted from the account so initiated another external transfer for the remaining balance. All looked good – no errors Wednesday the remaining balance transfer does not appear so call Synchrony – speak to 2 different representatives and advised that until 1 transaction clears you cannot initiate another transaction. Thursday the initial transaction finally shows up at Chase. A week WOW. Everyone wants to wait a week for the partial amount.
Synchrony…where was my money for 48 hours? Are you floating money? When I do an external transfer from Chase to Synchrony the money is always there the next business day which is what I would expect in 2026 as this is a well-established account on both sides.
Because in good faith I cannot ask the dealership to wait for 2 weeks to take delivery on the vehicle I was forced to have to pay for a wire transfer. Perfect time to also close the account permanently. Issue resolved! The rep could have cared less. Surprised but not surprised. It is not 1930 Synchrony….do better
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Product: Synchrony Bank Savings
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WalletHub Awards
Synchrony Bank has won the following WalletHub Awards:
Get answers to your questions about Synchrony Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
You can make a Lowe's Credit Card payment online, by phone, by mail or at a store. To pay a Lowe's Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Lowe's Credit Card Payment
Online. Log in to your online account and find the payment button.
By phone: Call 1-800-444-1408 and enter your card information prompted, then follow the prompts to make a credit card payment.
By mail. Send a check or money order (but not cash) to
MyLowe's Rewards Credit Card PO Box 669807 Dallas, TX 75266-0759
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a store: You can make a payment at any Lowe's location.
In conclusion, there are multiple ways to make a Lowe's Credit Card payment, so just choose whichever method suits you best. The important part is to not miss payments, as that can seriously damage your credit score.
You can make an Amazon Store Card payment online, by phone, through the Synchrony Bank mobile app or by mail. To pay an Amazon Store Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
You can log in to your Sam's Club® Credit Card account by going to the login page on the Synchrony Bank website or mobile app and entering your username and password in the appropriate fields. Then, click “Secure Login” to access your online account.
How to Log In to a Sam's Club® Credit Card Account
Go to the Sam's Club® Credit Card login page.
Fill out the “User Name” and “Password" fields with your credentials.
To log in to your Synchrony Bank credit card account, go to the login page on the Synchrony Bank website or mobile app and enter your username and password in the appropriate fields. Then, click the “LOG IN” to access your online account. If you don't already have an account, you will need to start by clicking “Register” in order to set up a username and password.
To log in to your TJX Credit Card account, go to Synchrony Bank's website or mobile app, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with Synchrony Bank, you'll need to enroll first and set up a username and password.
How to Log in to Your TJX Credit Card Account
Visit Synchrony Bank's website or app. Navigate to the login box...
You can make a TJX Credit Card payment online, by phone, or by mail. To pay a TJX Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
Ways to Make a TJX Credit Card Payment
Online. Log in to your online account and click on "Make...
You can make a Belk Credit Card payment online, by phone, by mail or at a store. To pay a Belk Credit Card bill online, log in to your online account and click on "Payments." Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Belk Credit Card Payment
Online. Log in to your online account and click on...
You can make a Sam's Club® Credit Card payment online, by phone, or by mail. To pay a Sam's Club® Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Sam's Club® Credit Card Payment
Online. Log in to your online account and click on "Make...
You can make an eBay Credit Card payment online, by phone or by mail. To pay an eBay Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
Ways to Make an eBay Credit Card Payment
Online. Log in to your online account and find the payment button.
You can make a Synchrony Bank credit card payment online, by phone, through the Synchrony Bank mobile app, by mail or at a branch. To pay a Synchrony Bank credit card bill online, log in to your online account and click on "Make Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
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by WalletHub: Lowe's Credit Card, Amazon Store Card, Sam's Club® Credit Card, TJX Credit Card, Belk Credit Card, and eBay Credit Card.
