Synchrony Bank Credit Cards for 2025 (Full List)

Synchrony Bank powers credit cards for many of the biggest retail brands across the country. With over 80 million customer accounts, it’s one of the largest providers of store-branded credit cards, making it likely that a card from your favorite retailer is issued by Synchrony.

Unlike some traditional credit cards, Synchrony store cards often have more flexible approval requirements. While a credit check is typically required, these cards may be easier to qualify for, even if your credit isn’t perfect. Many come with store-specific perks like special financing, discounts, or cashback on purchases.

If you shop frequently at a particular store, a Synchrony credit card could offer value through rewards and promotional financing. Before applying, it’s important to compare the terms, benefits, and potential costs to ensure the card fits your financial goals.

Full List of Synchrony Bank Credit Cards

Synchrony Bank issues nearly 200 credit cards across a wide range of retailers and industries. Below is an organized list of store-branded and co-branded cards, making it easier to find the ones that match your shopping habits.

Retail and Department Stores

Home Improvement and Furniture

Electronics and Entertainment

Gas and Automotive

Travel and Airlines

Medical and Health

• CareCredit
• LensCrafters

Powersports and Outdoor Equipment

Specialty and Miscellaneous

Key Benefits of Synchrony Bank Credit Cards

Synchrony Bank credit cards offer store rewards, promotional financing, and flexible approval requirements. While they can be useful, it’s important to understand how they work to avoid unnecessary costs.

Promotional Financing and Deferred Interest

Many Synchrony cards offer promotional financing with 0% interest for a set period on qualifying purchases. This can help with large expenses, but most of these offers come with deferred interest.

• Deferred interest: If the full balance isn’t paid off by the end of the promotional period, all the interest that would have accrued from the purchase date is charged at once.
• High APR: Interest rates can be above 25%, making any unpaid balance expensive.
• Best strategy: Divide the total amount by the number of months in the promo period and pay at least that amount each month to avoid interest charges.

Credit Bureau Reporting and Credit Building

Synchrony reports to all three major credit bureaus, which means responsible use of these cards can help build credit.

• On-time payments: Paying on time each month helps improve your credit score.
• Credit utilization: Keeping your balance low relative to your limit can have a positive impact.
• Account age: Since most Synchrony cards have no annual fee, keeping them open can help maintain the length of your credit history.

Credit Score Needed for Synchrony Cards

Synchrony Bank is known for being more flexible with approvals than traditional credit card issuers, but requirements vary by card.

• Store-branded cards: Typically require a fair to good credit score (600–700).
• Some specialized cards: Options like CareCredit may approve applicants with scores as low as 580.
• Co-branded cards: Synchrony cards backed by Visa or Mastercard usually require good to excellent credit (670+).

Approval isn’t guaranteed, but applicants with lower credit scores often have a better chance with store-branded Synchrony cards compared to general rewards credit cards.

Potential Downsides of Synchrony Bank Credit Cards

While Synchrony Bank credit cards offer rewards, promotional financing, and flexible approval requirements, they also come with some drawbacks. Understanding these potential issues can help you decide whether a Synchrony card is the right fit for you.

Account Closures Due to Inactivity

One of the biggest complaints about Synchrony Bank is its tendency to close inactive accounts without warning. If you don’t use your Synchrony credit card for an extended period, your account may be shut down, even if you have a strong credit history.

• Impact on credit score: Closing an account can lower your available credit and increase your credit utilization ratio, which could negatively impact your credit score.
• How to prevent closure: Using your card for a small purchase every few months and paying it off can help keep it active and avoid unexpected closures.

Customer Service and Dispute Resolution

Synchrony Bank’s customer service has received mixed reviews, especially when it comes to handling disputes and billing issues. Some cardholders report difficulty resolving fraudulent charges or incorrect account information.

• Long wait times: Customers often experience delays when reaching a representative.
• Billing disputes: Some users have reported challenges in disputing charges or getting errors corrected quickly.
• Automated systems: Synchrony relies heavily on automated responses, which can make it harder to get personalized support.

If you need a credit card with highly rated customer service, you may want to compare Synchrony with other issuers that have stronger reputations for dispute resolution and account support.

Best Synchrony Bank Credit Cards

With nearly 200 credit cards available, finding the right Synchrony card depends on your spending habits. Below are the best Synchrony credit cards ranked by their standout perks, including cashback, financing, and ease of approval.

Best for Cashback: Sam’s Club® Mastercard®

The Sam’s Club Mastercard is a top-tier cashback card, offering rewards on everyday spending.

• 5% cashback on gas (up to $6,000 per year, then 1%)
• 3% cashback on dining and travel
• 1% cashback on all other purchases
• No annual fee (Sam’s Club membership required)

Best for Financing Large Purchases: Amazon Store Card

For Amazon shoppers, this card offers promotional financing on large purchases.

• 0% interest financing for 6 to 24 months on qualifying Amazon purchases
• 5% cashback if you’re an Amazon Prime member
• No annual fee
• Instant $100 Amazon Gift Card upon approval

Easiest to Qualify For: CareCredit® Credit Card

CareCredit is designed for healthcare expenses, and approval is often easier than general credit cards.

• Works at thousands of healthcare providers, including dentists, veterinarians, and vision centers
• Promotional financing options for medical expenses
• Available to those with fair or even limited credit

Best for Frequent Shoppers: JCPenney Credit Card

If you shop at JCPenney often, this card offers store-exclusive perks.

• Special financing offers and discounts for cardholders
• Up to 2X points per dollar spent
• Exclusive sales events and birthday offers

Best Gas Card: Synchrony Car Care™ Credit Card

This card is ideal for those who spend a lot on fuel and auto maintenance.

• Accepted at over 250,000 gas stations nationwide
• Special financing options for auto repairs and purchases
• No annual fee

These cards offer some of the best rewards and financing options among Synchrony Bank’s lineup. If you frequently shop at a particular store or need financing for large purchases, choosing the right Synchrony card can help maximize savings.

Other Banks That Offer Store Credit Cards

While Synchrony Bank is one of the largest issuers of store-branded credit cards, several other banks also provide retail credit cards. Here are some of the major issuers and the brands they work with:

• Barclays: Athleta, American Airlines, Banana Republic, Barnes & Noble, GAP, Old Navy
• Capital One: Kohl’s, Macy’s, Menards, Neiman Marcus, Saks Fifth Avenue, Walmart
• Citibank: Best Buy, Bloomingdale’s, ExxonMobil, Home Depot, Office Depot, Sears, Shell, Staples
• Comenity Bank: American Eagle, Eddie Bauer, Express, Forever 21, Lowe’s, T.J. Maxx, and over 150 other brands
• U.S. Bank: Fry’s, Harley-Davidson, Korean Air, Kroger
• Wells Fargo: American Furniture, Bryant, Dillard’s

Each bank has different approval criteria and rewards programs, so it’s worth comparing options if you’re looking for a store credit card.

Final Thoughts

A Synchrony Bank credit card can be a useful tool for frequent shoppers, offering rewards, discounts, and special financing options. With a wide range of store-branded and co-branded cards, there’s a good chance you’ll find one that fits your spending habits.

Before applying, consider whether the card’s benefits align with your financial goals. While many Synchrony cards are easier to qualify for than traditional credit cards, they still require responsible use to avoid high interest charges and unnecessary debt. If used wisely, these cards can help build credit while providing valuable perks.

Frequently Asked Questions

What happens if a store associated with my Synchrony credit card closes?

In most cases, Synchrony will convert your store card to a different card, such as a general-purpose Synchrony Mastercard. If this happens, Synchrony will notify you with details. Be sure to continue making payments on your balance to avoid penalties.

Can I request a credit limit increase on my Synchrony card?

Yes, you can request a credit limit increase by calling Synchrony or through your online account. Approval depends on your payment history, credit score, and overall account activity.

Do Synchrony Bank credit cards have annual fees?

Most Synchrony store credit cards do not have an annual fee, but some co-branded cards, like the Sam’s Club Mastercard, may require a membership. Always check the terms before applying.

Can I use a Synchrony store card anywhere?

Many Synchrony store cards are closed-loop, meaning they can only be used at the specific retailer. However, co-branded cards backed by Visa or Mastercard can be used anywhere those networks are accepted.

How do I check if I’m prequalified for a Synchrony credit card?

Synchrony does not have a universal prequalification tool, but some retailers allow you to check for offers without affecting your credit score. You can also try applying through the store’s website.

What happens if I miss a payment on my Synchrony credit card?

Missing a payment can result in a late fee, an increased interest rate, and a negative mark on your credit report. If you’re struggling to pay, contact Synchrony as soon as possible to discuss options.

Can I have more than one Synchrony credit card?

Yes, you can hold multiple Synchrony credit cards. However, applying for too many in a short period may result in multiple hard inquiries, which could temporarily lower your credit score.

How do I close my Synchrony credit card account?

You can close your account by calling Synchrony’s customer service. Keep in mind that closing a credit card can impact your credit score by reducing your available credit and affecting your account age.

Does Synchrony offer business credit cards?

Synchrony primarily focuses on consumer credit cards, but it does offer business financing solutions through select retailers. Check with the specific retailer to see if business credit options are available.

Can I transfer a balance to a Synchrony credit card?

Most Synchrony store cards do not allow balance transfers. However, some of its co-branded Visa and Mastercard options may offer this feature. Check your card’s terms for details.