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.

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Credit History Intro APR Purch. (Intro Period) Regular APR Annual Fee
Excellent, Good 0% (14 months) 11.99% - 23.99% Variable $0
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Credit History Intro APR Purch. (Intro Period) Regular APR Annual Fee
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Credit History Intro APR Purch. (Intro Period) Regular APR Annual Fee
Excellent N/A 16.99%, 20.99% or 23.99% Variable $89 - waived first year
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Consumer Rating: 5 / 5
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Consumer Rating: 4 / 5
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Consumer Rating: 5 / 5
Horizon Gold Credit Card
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Credit History Intro APR Purch. (Intro Period) Regular APR Annual Fee
Bad n/a 0.00% See Terms
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Consumer Rating: 4 / 5
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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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