Synchrony Bank
- 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 01/07/2026.
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They immediately cancelled my credit card and claimed they performed an investigation which proved to be 100% false.
I will wait patiently for the day this bank goes under!!
Stay far away from them as they are a crooked bank that backs crooked business practices....
Deceiving "6 months no interest" claim. This only applies when you "check out with PayPal," not when you use the card for a purchase. So, they just misled me on a large online purchase, and I'm stuck with their astonishingly high interest rate. I've had PayPal for almost 20 years, and they didn't provide any level of the expected customer service, and continue to advertise this subpar card as a "6 months no interest" card when it’s actually just another predatory card.
Their customer service is shockingly incompetent. Interacting with them feels like explaining basic concepts to a two-year-old. If your card gets flagged for fraud (which happens constantly), expect to sit on hold for 45–60 minutes just to reach someone who can't actually help you.
Regarding the fraud protection: it's completely out of control. Legitimate, everyday purchases are routinely declined. To "verify" yourself, they require extreme and invasive steps, including taking a video of yourself, uploading a photo of your driver's license, and jumping through multiple redundant security hoops. Even after completing all of this, your next transaction may still be flagged as fraud... and then you get to repeat the entire process again.
The APR is outrageous, hovering around 33–34%, which is well above industry standards and borderline predatory. Yes, they draw you in with a shiny 0% introductory offer, but don't be fooled—this card is full of traps. One misstep, one delayed payment, or one issue with their broken systems, and you'll regret ever opening it.
This card is not worth the stress, time, or risk. Between the constant fraud blocks, excessive verification demands, unusable customer service, and absurd interest rates, it's an absolute nightmare.
Do yourself a favor: skip this card. There are far better options out there that won't make you fight just to use your own money.
Do not get the PayPal credit card.
I've had PPCR for 13 yrs , Got the offer for the card . WHAT A HUGE MISTAKE !! I had a purchase from 15 months ago on a 24 mo 0% purchase , As soon as I got the card it voided that and put my min payments @ $60 instead of $28.34 equal payments on the 24 month ,, I feel violated , stupid and moronic for making the switch . Which I can't undo . I'm a hostage to this wormy co. now to keep my credit history intact .. If it was just new? I would run not walk to the shredder . I should have read the 20 page prospectus . So many angry disgusted loyal customers Give them a read .
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Synchrony Bank Q&A(1575 questions)
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How can I pay my Lowe's Credit Card?
You can make Lowe's Store Card payment online, by phone, by mail or at a store. To pay your Lowe's Store 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 Lowe's Store 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 when 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 store location
In conclusion, there are multiple ways to make a Lowe's Store Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
How can I pay my Amazon Store Card?
You can make a Amazon Store Card payment online, by phone, through the Synchrony Bank mobile app or by mail. To pay a 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.
Ways to Make a Amazon Store Card Payment
- Online:...
How can I log in to my Sam's Credit Card account?
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 “Username” and “Password" fields with your credentials.
- Click “Secure Login” to access your account. ...
How can I log in to my Synchrony credit card account?
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.
How to Log in to a Synchrony Bank Credit...
How can I log in to my TJX Credit Card account?
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...
How can I pay my TJX Credit Card?
You can make TJX Credit Card payment online, by phone, or by mail. To pay your 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 TJX Credit Card Payment
- Online: Log in to your online account and click on...
How can I pay my Ebay Credit Card?
You can make eBay Credit Card payment online, by phone, or by mail. To pay your 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 eBay Credit Card Payment
- Online: Log in to your online account and find the...
How can I pay my Synchrony Bank credit card?
You can make a Synchrony Bank credit card payment online, by phone, through the Synchrony Bank mobile app or by mail. To pay a Synchrony Bank 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 Synchrony...
How can I pay my Walgreens Credit Card?
You can make a Walgreens Credit Card payment online, by phone, or by mail. To pay a Walgreens 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 Walgreens Credit Card Payment
- Online: Log in to your online account and find the payment...
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