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4
Card Overall Rating
Excellent / Good / Fair Credit
  • Earn unlimited cash back at millions of merchants. No restrictions. No rotating categories. No annual fee.272
  • Earn 3% cash back when you check out with PayPal. Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and restrictions.
  • Earn 2% cash back everywhere else Mastercard is accepted.
  • Easily redeem the cash rewards you earn to PayPal anytime, anywhere with the PayPal app and PayPal.com. Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.
  • The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
  • The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
20.24% - 32.24% Variable APR as of 9/1/2023272
Annual Fee
None

Synchrony Bank Credit Cards

Synchrony Bank offers financing options to consumers with any type of credit history. Credit cards are the most prominent of 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 for 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 that 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 their online account. In addition, cardholders can find discounts and special offers while they are online.

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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

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