Synchrony Credit Card List and How to Get Approved

Synchrony credit cards are issued by Synchrony Bank and can be used to make purchases, pay bills, and earn rewards. Synchrony credit cards are widely accepted.

To get approved for a Synchrony credit card, you'll need a good credit score, which is typically 600 or higher. This is because Synchrony credit cards are considered unsecured credit cards.

Synchrony credit cards have a wide range of credit limits, from $300 to $10,000. This allows individuals to choose a card that suits their financial needs.

You can apply for a Synchrony credit card online, by phone, or by mail.

Additional reading: How to Close Synchrony Credit Card

Synchrony Bank offers a wide range of credit cards, but did you know they also issue over 100 store credit cards that only work with specific retailers? These store credit cards are designed to reward customers who shop at their affiliated stores.

Some popular store credit cards issued by Synchrony Bank include the American Eagle Outfitters Store Card, Belk Store Card, and CheapOair Store Card. You can find a full list of store credit cards in the article section.

See what others are reading: Bank of America Credit Card Score

Synchrony Bank also offers several credit cards that can be used for everyday spending and travel. Their top 3 cards for travel and everyday spending are listed in the article section.

Here's a list of some of the store credit cards issued by Synchrony Bank:

Synchrony Bank also offers credit cards for specific industries, such as the CareCredit Credit Card for healthcare expenses and the PayPal Cashback Mastercard for online shopping.

To get a Synchrony card, you'll need to meet their basic credit requirements, which include having a valid Social Security number, being at least 18 years old, and having a steady income.

The application process is relatively straightforward and can be done online, over the phone, or in-person at a participating store.

You can apply for a Synchrony card online by visiting their official website and filling out the application form, which typically takes around 10-15 minutes to complete.

Synchrony cards are designed to be used for specific purposes, such as making purchases at a particular store or paying for a service like a utility bill.

You might like: Is Synchrony a Good Credit Card

To give yourself the best chance of approval, make sure you take care of your credit score. If you pay off your credit card bill and never carry a balance, your credit score will be in much better shape.

Paying off your statement every month is the ultimate goal. This will help you avoid high credit utilization and demonstrate responsible credit behavior.

If you can't pay off your statement in full, make sure that the payment you make reduces any balance to less than 60% of your credit limit. For example, if your credit limit is $500, make sure your closing balance is less than $300.

Keeping your oldest credit card open is also important, as the length of your opened accounts is an important part of building a foundation for your credit score.

There are many reports of people being approved for Synchrony store cards with credit scores in the 600s.

Expand your knowledge: Will a Prepaid Credit Card Build Credit

To get a Synchrony card, you need to know how we pick the best ones. We evaluated dozens of retail cards Synchrony Bank offers.

Synchrony Bank offers credit cards from many different retailers, but it’s not always clear how the card could benefit the average consumer.

We focused on cards that could offer serious value for either major purchases or purchases you might make on a regular basis.

Take a look at this: Ally Bank Credit Card Credit Score

Synchrony offers a wide range of credit cards, but let's take a look at some of their most popular cards. These cards are widely recognized and used by many consumers.

Some of the most popular Synchrony cards include the Synchrony Premier World Mastercard, Verizon Credit Card, and BP Credit Card. These cards are often used for everyday spending and travel.

Synchrony also issues store credit cards that only work with specific retailers they're affiliated with. Some of these store cards include the American Eagle Outfitters Store Card, Belk Store Card, and CheapOair Credit Card.

Here are some of the most popular Synchrony cards:

Synchrony Bank offers a variety of credit cards that cater to different needs and preferences.

Their most popular cards include store credit cards that only work with specific retailers, such as Lowe's and American Eagle Outfitters. These cards often come with exclusive discounts and promotions.

Some popular store credit cards issued by Synchrony Bank include the Lowe's Advantage Card, which provides a 5% discount on all purchases from Lowe's. The card also offers special financing promotions and project financing options.

Synchrony Bank also issues store credit cards for other retailers, such as Belk, Dicks, and At Home. These cards typically provide discounts and rewards specific to each store.

Here are some of the store credit cards issued by Synchrony Bank:

It's worth noting that Synchrony Bank offers over 100 store credit cards, so this list is not exhaustive.

The TJX Rewards card is a popular choice among shoppers who frequent T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post stores.

It's part of the Mastercard network, so you can use it at other merchants as well. This adds flexibility to your shopping options.

The card earns 5X points per dollar at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post stores. This is a great reward for frequent shoppers.

You'll also earn 1X points per dollar on purchases at other merchants if you have the Mastercard version. This is a nice bonus for everyday spending.

For every 1,000 points you earn, you'll receive a $10 certificate that can be redeemed at any of the stores in the TJX family. This is a tangible reward for your loyalty.

Choosing a Synchrony Card can be a bit overwhelming, but don't worry, we've got you covered. Synchrony Bank offers over 100 store credit cards, each affiliated with a specific retailer, in addition to their own branded credit cards.

If you're looking for a card with rewards, you might want to consider the Synchrony Premier World Mastercard, which is one of the credit cards offered by Synchrony Bank. The PayPal Cashback Mastercard and the PayPal Extras MasterCard also offer cashback rewards.

Some popular store credit cards issued by Synchrony Bank include the American Eagle Outfitters Visa, the At Home Mastercard, and the Belk Rewards Mastercard. If you're a frequent shopper at any of these retailers, one of these cards might be a great fit for you.

Suggestion: Credit One Credit Cards Review

If you're not satisfied with your Synchrony card purchase, you can return it within 30 days.

Synchrony offers a flexible return policy, allowing you to return items from various retailers, including Amazon and Walmart.

You can initiate returns online or by contacting Synchrony customer service directly.

To be eligible for a return, the item must be in its original packaging and condition, with all tags and accessories included.

Returns can be made in-store or by mail, depending on the retailer's policies.

Synchrony will refund the original purchase price, minus any shipping costs, within 2-3 business days.

Take a look at this: Can You Reopen a Closed Credit Card Synchrony

Before making a decision, it's essential to consider the benefits of a Synchrony card, such as the ability to earn rewards and cash back on purchases.

Synchrony cards often have a fixed APR, which is currently around 27.99% for some cards, so it's crucial to factor this into your decision.

Consider your credit score, as Synchrony cards typically require good to excellent credit to be approved.