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Synchrony Bank Credit Cards

We found 48 Synchrony Bank credit cards. Read on to get more insights.

Synchrony Bank
3.32
By Hanna Volkava
Updated November 01, 2024
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Best Credit Cards in November 2024

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Synchrony Bank Harbor Freight

Synchrony Bank Harbor Freight
Annual fee:
$0
Regular APR:
29.99% Variable
Our Rating:
3.24
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 5x Points for each $1 spent at Harbor Freight.
  • Intro Offer:
    • 10% Off your entire first purchase when you open an account and use your card.
  • Purchase Intro APR:
    0% Intro APR for 6 - 36 months
  • Issuer name:
    Synchrony Bank
  • Details:

    The Synchrony Bank Harbor Freight Credit Card has a 0% introductory APR period for 6 - 36 months on purchases (29.99% Variable thereafter). The Card doesn't charge an annual fee.

    The Harbor Freight Card earns 5x points for each $1 spent at Harbor Freight. Plus, earn 10% off your entire first purchase when you open an account and use your card.

  • Pros:
    • No Annual Fee
  • Cons:
    • High APR
    • Balance transfers and cash advances are not available
  • Benefits:
    • 5x points for each $1 spent at Harbor Freight;
    • 10% off your entire first purchase when you open an account and use your card;
    • Fraud Protection.
View all Harbor Freight details
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Card detail

Synchrony Bank Newegg

Synchrony Newegg
Annual fee:
$0
Regular APR:
29.99%
Our Rating:
0.88
scorer
Credit score
Good to Excellent (670-799)
    • Issuer name:
      Synchrony Bank
    • Details:

      The Synchrony Bank Newegg Credit Card doesn't charge an annual fee.

      The APR for purchases is 29.99%.

    • Pros:
      • No Annual Fee
    • Cons:
      • Balance transfers and cash advances are not available
      • High APR
    • Benefits:
      • Special Offers;
      • Security program.
    View all Newegg details
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    Card detail

    Synchrony Bank Sweetwater®

    Synchrony Sweetwater®
    Annual fee:
    $0
    Regular APR:
    29.99%
    Our Rating:
    2.35
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 5% Back on qualifying purchases of $299 or more.
    • Issuer name:
      Synchrony Bank
    • Details:

      The Synchrony Bank Sweetwater® Credit Card earns 5% Back on qualifying purchases of $299 or more.

      Enjoy up to 48 months promotional financing on qualifying purchases.

      The Sweetwater® Card doesn't charge an annual fee.

      The Card's APR is 29.99%.

    • Pros:
      • No Annual Fee
      • Quick & easy application process
    • Cons:
      • Balance transfers and cash advances are not available
      • High APR
    • Benefits:
      • 5% Back on qualifying purchases of $299 or more;
      • Promotional financing;
      • Hundreds of participating music brands.
    View all Sweetwater® details
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    Card detail

    Synchrony Bank Pandora

    Synchrony Pandora
    Annual fee:
    $0
    Regular APR:
    29.99% Variable
    Our Rating:
    1.76
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • This card doesn't offer miles or points.
    • Intro Offer:
      • 10% Discount applied to first Pandora credit card purchase.
    • Issuer name:
      Synchrony Bank
    • Details:

      The Synchrony Bank Pandora Credit Card doesn't charge an annual fee. Enjoy 10% off once approved for the Pandora Credit Card.

      The APR for purchases is 29.99%.

    • Pros:
      • No Annual Fee
    • Cons:
      • Balance transfers and cash advances are not available
      • High APR
    • Benefits:
      • 10% off your first qualifying purchase;
      • Exclusive Birthday Offer;
      • Special Sales Event.
    View all Pandora details
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    Card detail

    Synchrony Bank Value City Furniture

    Synchrony Bank Value City Furniture
    Annual fee:
    $0
    Regular APR:
    29.99%
    Our Rating:
    0.88
    scorer
    Credit score
    Fair to Excellent (580-799)
      • Issuer name:
        Synchrony Bank
      • Details:

        The Value City Furniture Credit Card doesn't charge an annual fee.

        The APR for purchases is 29.99%.

      • Pros:
        • No Annual Fee
      • Cons:
        • Balance transfers and cash advances are not available
      • Benefits:
        • Multiple financing options;
        • Convenient monthly payments;
        • First dibs on sales & events;
        • Exclusive offers.
      View all Value City Furniture details
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      Card detail

      Synchrony Bank CB2

      Synchrony Bank CB2
      Annual fee:
      $0
      Regular APR:
      32.24% Variable
      Our Rating:
      2.32
      scorer
      Credit score
      Fair to Excellent (580-799)
      • Rewards Rate:
        • 20% Back in reward dollars on merchandise purchases at CB2.
      • Issuer name:
        Synchrony Bank
      • Details:

        The CB2 Store Credit Card earns 20% Back in reward dollars on merchandise purchases at CB2.

        The Card doesn't charge an annual fee.

        The APR for purchases is 32.24% Variable.

      • Pros:
        • No Annual Fee
      • Cons:
        • High APR
        • Balance transfers and cash advances are not available
      • Benefits:
        • 20% Back in reward dollars on merchandise purchases at CB2;
        • Access to online account management;
        • Mastercard member benefits.
      View all CB2 details
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      Card detail

      Synchrony Bank Pep Boys

      Synchrony Bank Pep Boys
      Annual fee:
      $0
      Regular APR:
      29.99% Variable
      Our Rating:
      1.18
      scorer
      Credit score
      Fair to Excellent (580-799)
      • Purchase Intro APR:
        0% Intro APR for 6 - 12 months
      • Issuer name:
        Synchrony Bank
      • Details:

        The Synchrony Bank Pep Boys Credit Card doesn't charge an annual fee.

        The Card has a 0% introductory APR period for 6 - 12 months on purchases. After that, the variable APR is 29.99%.

      • Pros:
        • No Annual Fee
      • Cons:
        • No rewards
        • High APR
      • Benefits:
        • 6 months special financing on purchases of $199 - $749.99 or 12 months special financing on purchases of $750 or more;
        • Exclusive cardholder offers;
        • Credit line dedicated to auto care.
      View all Pep Boys details
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      Card detail

      Synchrony Bank QVC

      Synchrony Bank QVC
      Annual fee:
      $0
      Regular APR:
      32.24% Variable
      Our Rating:
      1.29
      scorer
      Credit score
      Fair to Excellent (580-799)
      • Purchase Intro APR:
        0% Intro APR for 9 - 18 months
      • Issuer name:
        Synchrony Bank
      • Details:

        The QVC Credit Card from Synchrony Bank doesn't charge an annual fee.

        The Card has a 0% introductory APR period for 9 - 18 billing cycles on purchases. After that, the variable APR is 32.24%.

      • Pros:
        • No Annual Fee
        • Intro APR period on purchases
      • Cons:
        • No rewards
        • High APR
        • Balance transfers and cash advances are not available
      • Benefits:
        • Fraud Protection;
        • Exclusive customer service line.
      View all QVC details
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      Card detail

      Synchrony Bank JCPenney

      Synchrony Bank JCPenney
      Annual fee:
      $0
      Regular APR:
      25.99% Variable
      Our Rating:
      1.65
      scorer
      Credit score
      Fair to Excellent (580-799)
      • Rewards Rate:
        • 35% Off today on select apparel, shoes, accessories, fine jewelry, watches, salon products, home and select JCPenney Beauty products.
        • 1x Point for every $1 of qualifying purchases, up to a maximum of 2,000 points in a single purchase transaction.
      • Issuer name:
        Synchrony Bank
      • Details:

        The Synchrony Bank JCPenney Credit Card doesn't charge an annual fee.

        Earn an extra 35% off today on select apparel, shoes, accessories, fine jewelry, watches, salon products, home and select JCPenney Beauty products. Plus, earn 1x point on qualifying purchases (up to a maximum of 2,000 points in a single purchase transaction).

        The APR for purchases is 25.99% Variable.

      • Pros:
        • No Annual Fee
      • Cons:
        • Balance transfers and cash advances are not available
        • High APR
      • Benefits:
        • 35% off on select apparel, shoes, accessories, fine jewelry, watches, salon products, home and select JCPenney Beauty products;
        • 1x point for every $1 of qualifying purchases, up to a maximum of 2,000 points in a single purchase transaction;
        • $10 JCPenney Rewards certificate for every 200 points.
      View all JCPenney details
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      Card detail
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      How to Choose the Right Synchrony Bank Credit Card?

      Sometimes, choosing the best credit card from a specific credit card company is quite difficult. Considering Synchrony Bank, there are three steps that can help you.

      First and foremost, you need to check your current credit score. It can vary from "Poor” to “Excellent”, and the higher your credit is, the better Synchrony Bank credit card offers and terms are available to you.

      Secondly, you have to identify why you need a Synchrony Bank credit card and determine key aspects your future credit card should have. If you search for a credit card to increase your credit score, look for the ones with large grace period and no annual fee. If you want to not spend money on interest, Synchrony Bank credit cards with the lowest interest and long intro offer are your option. In case you need a credit card that will provide you cash rewards, pay attention to the rewards program offered by Synchrony Bank.

      Finally, you should compare the Synchrony Bank offers you think are the best for you, but now looking at all the aspects. Overall, an ideal credit card meet the following characteristics: near-zero interest rate, no fees, high credit limit, the finance charge calculations include one billing cycle only, and generous rewards and sign-up bonuses. You can easily compare Synchrony Bank credit cards in the table below.

      Side-by-Side Comparison of Synchrony Bank Credit Cards

      Card Name APR Annual fee Rewards Intro offer
      Banana Republic Visa® 25.99% Variable $0
    • 5x Earn 5x points for every $1 spent at Gap Inc. brands, in-store and online or 1x point as a Reward Member.
    • 1x Point for every $1 spent outside Gap Inc. brands.
    • 20% Get 20 percent off for the first store purchase.
      • Sam’s Club® Mastercard® 20.90% - 28.90% Variable $0
    • 5% Cash Back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).
    • 3% Cash Back on Sam’s Club purchases for Plus members. Club members earn 1% Cash Back.
    • 3% Cash Back on dining and takeout.
    • 1% Cash Back on other purchases at Sam's Club and wherever Mastercard is accepted.
    • $30 Statement credit when you open a new account and make $30 in Sam's Club purchases within 30 days.
      • PayPal Cashback Mastercard® 20.24% - 32.24% Variable $0
    • 3% Cash Back on PayPal purchases.
    • 2% Cash Back on all purchases.
    • No current offer.
      • Verizon Visa® 26.99% - 30.99% Variable $0
    • 4% Cash Back on groceries and gas.
    • 3% Cash Back on dining purchases, including takeout.
    • 2% Cash Back on Verizon purchases.
    • 1% Cash Back on all other purchases.
    • $100 Open a Verizon Visa Card account, get a $100 statement credit applied to your credit card bill – just make your first purchase using the card within the first 90 days.
      • Old Navy Visa® 25.99% Variable $0
    • 5x Points on Gap Inc. purchases.
    • $5 Reward for every 500 points earned.
    • 1x Point for every $1 spent outside Gap Inc. brands.
    • 30% Get 30% off on your first Old Navy purchase.
      • TJX Rewards® Platinum Mastercard® 32.24% Variable $0
    • 5% Cash Back at purchases at all TJX stores.
    • 1% Cash Back on all other purchases.
    • 10% Cash Back on your first purchase (in-store or online).
      • Belk Rewards Mastercard® 28.49% $0
    • 2x Points at gas stations and grocery stores.
    • 1x Points on all other spending.
    • 1000x Bonus Belk Reward Points will be applied to your account (equaling $10 Belk Reward Dollars) and you will receive the $10 Belk Reward Dollars in the first billing statement when a purchase is made the day account is opened.
    • 20% Earn 20% off most Belk merchandise (for your first purchase).
      • At Home Insider Perks® Mastercard® 32.24% Variable $0
    • 5x Points on At Home purchases.
    • 3x Points on grocery store purchases.
    • 1x Points on all other purchases.
    • 10x Points on your first purchase when you open an account.
      • Athleta Visa® 28.24% Variable $0
    • 5x Points for every dollar spent at any Gap Inc. brand.
    • 1x Point for every dollar spent anywhere else.
    • 20% Receive 20% off your first purchase at Athleta.
      • eBay Mastercard® 25.24% - 32.24% Variable $0
    • 5x Points for the rest of the year after you spend $1,000 on eBay in a calendar year.
    • 3x Points per $1 spent up to $1,000 on eBay in a calendar year.
    • 2x Points per $1 spent on gas, restaurant, and groceries.
    • 1x Points per $1 spent on all other Mastercard® purchases.
    • No current offer.
      • Crate and Barrel Mastercard® 32.24% Variable $0
    • 10% In rewards dollars on all Crate & Barrel and CB2 purchases purchases or receive 6 months special financing on purchases of $749 or more.
    • 2% Back in reward dollars on grocery store purchases.
    • 1% Back in reward dollars on every other purchase anywhere Mastercard® is accepted.
    • No current offer.
      • DICK’S ScoreRewards® Mastercard® 32.24% Variable $0
    • 2x Points per $1 spent on all qualified in-store and DICKS.com online purchases
    • 1x Point per $3 spent on all other purchases.
    • $40 Bonus reward for opening and using a new credit card.
      • Rakuten Cash Back Visa® Platinum 25.74% Variable $0
    • 3% Cash Back on all qualifying Rakuten purchases, online and in stores. Rakuten Gift Card Shop included.
    • 1% Cash Back on all other purchases.
    • $10 Bonus on first purchase with no purchase minimum.
      • myWalgreens™ Mastercard® 23.24% - 32.24% Variable $0
    • 10% Walgreens Cash rewards on Walgreens brand purchases.
    • 5% Walgreens Cash rewards on all other brands and pharmacy purchases.
    • 3% Walgreens Cash rewards on grocery and health & wellness purchases.
    • 1% Walgreens Cash rewards on all other purchases.
    • $50 Walgreens Cash rewards when you open an account and make your first purchase within 45 days.
      • CareCredit® Rewards™ Mastercard™ 29.99% $0
    • 2x Points for every $1 spent on CareCredit Network, Health & Wellness, grocery stores, and pet store purchases.
    • 1x Points for every $1 on all other purchases.
    • No current offer.
      • AEO Connected® Visa® 31.24% Variable $0
    • 15x Points per $1 spent at AEO/Aerie stores.
    • 5x Points per $1 spent everywhere else.
    • 2x Points on jeans.
    • 20% Take 20% off your first AE or Aerie purchase when you open and use your credit card.
      • CheapOair Visa® 24.24% - 31.24% Variable $0
    • 6x Points for every dollar spent on CheapOair.com.
    • 4x Points for every dollar spent on dining.
    • 2x Points for every dollar spent on purchases.
    • $50 Statement credit when you make purchases of $500 or more (excluding promotional financing purchases) during the first 90 days of opening your CheapOair credit card account.
      • Techron Advantage® Visa® 29.99% $0
    • 7.01% Earn up to 8¢ per gallon in Fuel Credits at Chevron and Texaco stations.
    • 8.77% Earn up to an extra 10¢ per gallon in Fuel Credits on all other purchases.
    • 32.4% Earn 37¢ per gallon in Fuel Credits at Chevron and Texaco stations for the first 90 days.
      • Sheetz Visa® 21.99% - 27.99% Variable $0
    • 5% Cash Back on Sheetz in-store purchases.
    • 1% Cash Back on all other qualifying purchases.
    • No current offer.
      • Cathay Pacific Visa Signature® 22.24% - 25.24% Variable $95
    • 2x Asia Miles per $1 spent on eligible Cathay Pacific travel and in-flight purchases.
    • 1.5x Asia Miles per $1 spent on dining in the US or abroad.
    • 1.5x Asia Miles per $1 spent on purchases outside of the US.
    • 1x Asia Mile per $1 spent on all other purchases made in the US.
    • 35,000x Bonus Asia Miles when you spend $3,000 in the first 90 days.
    • 3x Miles per $1 dollar spent on travel purchases in the first 90 days.
      • CITGO Rewards® 29.99% $0
    • 4.38% Earn 5 cents on every gallon (after the first 3 months).
    • 8.77% Earn 10 cents on every gallon in fuel statement credits during the first 3 months of account opening. After that, earn 5 cents per gallon.
      • Premier World Mastercard® 19.24% - 32.24% Variable $0
    • 2% Cash Back rewards on every purchase.
    • No current offer.
      • Fleet Rewards® Visa® 22.24% - 29.99% Variable $0
    • 4x Rewards points per $1 Spent on qualifying purchases at Fleet Farm.
    • 1x Rewards point for every $1 spent everywhere else visa credit cards are accepted.
    • 10% On your first in-store purchase today when you open an account ($75 maximum discount).
      • OneTravel Visa® 24.24% - 31.24% Variable $0
    • 6x Points for every dollar spent on OneTravel.com.
    • 4x Points for every dollar spent on dining when you use the OneTravel Visa Credit Card.
    • 2x Points for every dollar spent on purchases, everywhere Visa Credit Cards are accepted.
    • $50 Earn a $50 statement credit when you make purchases of $500 or more during the first 90 days of opening your OneTravel Credit Card account.
      • PayPal Extras Mastercard® 19.99% - 26.99% Variable $0
    • 3x Points at gas stations and restaurants.
    • 2x Points on purchases made through PayPal and eBay.
    • 1x Point on all purchases wherever Mastercard is accepted.
    • No current offer.
      • Venmo Visa® 20.49% - 29.49% Variable $0
    • 3% Up to 3% Cash Back on your eligible top spend category.
    • No current offer.
      • Amazon Secured 10.00% $0
    • 2% Back on Amazon purchases (with an eligible Prime membership).
    • No current offer.
      • QVC 32.24% Variable $0
    • This card doesn't offer cash back, miles or points.
    • No current offer.
      • JCPenney 25.99% Variable $0
    • 35% Off today on select apparel, shoes, accessories, fine jewelry, watches, salon products, home and select JCPenney Beauty products.
    • 1x Point for every $1 of qualifying purchases, up to a maximum of 2,000 points in a single purchase transaction.
    • No current offer.
      • Pep Boys 29.99% Variable $0
    • This card doesn't offer cash back, miles or points.
    • No current offer.
      • Rooms To Go 29.99% Variable $0
    • This card doesn't offer cash back, miles or points.
    • No current offer.
      • Guitar Center 29.99% $0
    • 5x Points for each $1 spent on in-store or online purchases made with your Gear Card.
    • $10 In Rewards with your statement for every 1,000 points earned, up to a maximum of $100 per certificate.
    • No current offer.
      • Harbor Freight 29.99% Variable $0
    • 5x Points for each $1 spent at Harbor Freight.
    • 10% Off your entire first purchase when you open an account and use your card.
      • CB2 32.24% Variable $0
    • 20% Back in reward dollars on merchandise purchases at CB2.
    • No current offer.
      • Value City Furniture 29.99% $0
    • This card doesn't offer cash back, miles or points.
    • No current offer.
      • Pandora 29.99% Variable $0
    • This card doesn't offer miles or points.
    • 10% Discount applied to first Pandora credit card purchase.
      • Sweetwater® 29.99% $0
    • 5% Back on qualifying purchases of $299 or more.
    • No current offer.
      • Newegg 29.99% $0
    • This card doesn't offer cash back, miles or points.
    • No current offer.
      • Living Spaces 29.99% $0
    • This card doesn't offer cash back, miles or points.
    • No current offer.
      • Lowe's® Advantage 28.99% $0
    • 5% Off eligible purchases.
    • 20% Off your first purchase (maximum savings: $100).
      • Home 29.99% $0
    • 2% Cash Back on purchases under $299 (at participating retailers).
    • No current offer.
      • HSN 32.24% Variable $0
    • $20 Coupon on purchases.
    • $10 Save $10 on a single-item when you open and use your card.
      • Car Care™ 29.99% $0
    • This card doesn't offer cash back, miles or points.
    • No current offer.
      • Sleep Number 29.99% $0
    • This card doesn't offer cash back, miles or points.
    • No current offer.
      • Discount Tire 29.99% $0
    • This card doesn't offer cash back, miles or points.
    • No current offer.
      • Ashley Advantage™ 29.99% $0
    • This card doesn't offer cash back, miles or points.
    • No current offer.

      • Conclusion

      Today, Synchrony Bank provides a wide range of credit cards with different features, yet it’s important to find the one that will be the best for you.

      Hanna VolkavaHanna Volkava

      Financial and product expert

      hv@myfin.us

      Credit cards in other banks