Synchrony Bank

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Synchrony Bank is the former GE Capital Retail Bank and a part of Synchrony Financial. Synchrony Bank is one of the largest providers of private label credit cards in the U.S. The bank partners with different merchants, retailers, and businesses to bring financing options to consumers with bad credit as well as to consumers with good credit. Synchrony Bank credit cards are retail credit cards with rewards programs or special financing offers.

BEST ALTERNATIVES TO SYNCHRONY BANK CREDIT CARDS
CARD for EXCELLENT CREDIT
Barclaycard CashForward™ World MasterCard®
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Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening

Earn unlimited 1.5% cash rewards on every purchase

 
Consumer Rating: 5 / 5
CARD for LIMITED/NO CREDIT
Capital One® Platinum Credit Card
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Pay no annual fee

Get access to a higher credit line after making your first 5 monthly payments on time

 
Consumer Rating: 5 / 5
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APR Annual Fee Activation Fee Instant Response
15.65% - 24.15% Variable $0 - $99 See terms No
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
  • Zero fraud liability protects you from unauthorized charges
  • See if you Pre-Qualify without harming your credit score
 
Consumer Rating: 5 / 5
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APR Annual Fee Activation Fee Instant Response
N/A $0 None Yes
  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time
 
Consumer Rating: 4 / 5
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APR Annual Fee Activation Fee Instant Response
23.24% (Variable) $39 See terms No
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
 
Consumer Rating: 5 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
APR Annual Fee Activation Fee Instant Response
15.65% - 24.15% Variable $0 - $99 See terms No
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
 
Consumer Rating: 5 / 5
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
APR Annual Fee Activation Fee Instant Response
23.9% $35 - $99* See Terms Yes
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
 
Consumer Rating: 4 / 5
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APR Annual Fee Activation Fee Instant Response
0.00% See Terms See Terms Yes
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
 
Consumer Rating: 4 / 5
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APR Annual Fee Activation Fee Instant Response
25.24%* Variable $0 See terms No
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases and 1X points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
 
Consumer Rating: 5 / 5
Get Your CARD MATCH
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  • Will Not Affect Your Credit Score
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This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

Synchrony Bank Credit Cards

Synchrony Bank offers financing options to consumers with any type of credit history. Credit cards are the most prominent among all financing options.

Synchrony partners with different retailers, such as Walmart, to offer store credit cards and with healthcare providers, like CareCredit, to provide financing to health, wellness and beauty expenses. Other areas where you can find Synchrony Bank credit cards are auto services, electronics and appliances, flooring and home improvement.

Synchrony Bank issues credit cards with different features. Some credit cards come with rewards which are provided by either Synchrony Bank or a retailer. Special financing, or 0% intro APR, can be offered as an additional feature or instead of rewards and discounts as a main feature of a credit card. Regular interest rates are a bit higher than average but some Synchrony store credit cards do come with competitive interest rates.

All Synchrony credit cards can be managed online through online account access. Cardholders can review their credit statements, make payments or enroll in Autopay through online account. In addition, cardholders can find discounts and special offers while they are online.
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