There are some tricky things about this card that I didn't find out about until a year after signing up. Say you make a purchase for six-months-same-as-cash and then pile on a balance behind that. You would "think" that the first things purchased would be paid off first with each payment. This card uses some trickery so that (at last look) you are only "fully" paying on an upcoming promotional balance two months before it expires. It's a practice in place to make it more difficult to pay off a promotional balance. Synchrony is open about their attempts to rip you off with promo-balances but people still dig their own holes.
The interest rate is criminal at nearly 26% interest. That is how they offer the interest free promotional periods. For me, I would rather have a low interest card instead of having to chase deadlines...especially in these hard times. I never know if I'll get a paycheck or not. The card will also give you a ridiculously high credit limit in hopes of trapping you in a promotional balance deadline. I've paid nearly $300 in interest this year and have now come back to practicing self control. I think in the end, you have to decide which is more important, a low over-all rate or the ability to take risks with promo-balances. If you have a well-paying job and a reliable paycheck along with self control, this card is a nice compliment to the Amazon shopping experience.… show more