If you are looking for some great rewards and cashbacks for your purchases synchrony bank credit cards can be the ideal option for you. As we know, it is backed with over 120 major credit and store base credit cards. As per statistic, around 74 million customers in the USA alone are using alone these cards.
They are also well known for their personalized and tailor-made cards such as for brands like gas stations, store brands, tool outlets and more. Several popular brands like Amazon, eBay, PayPal and more joined their hands with Synchrony Bank Credit Cards which although offers great discounts and rewards.
- 1 Synchrony’s Cards Categories
- 1.1 Check out our list of best Synchrony Bank Credit Cards:
- 1.1.1 1. Amazon Prime Store Card
- 1.1.2 Another interesting offer through the Amazon Store Card
- 1.1.3 2. Sam’s Club MasterCard
- 1.1.4 3. Walmart credit card
- 1.1.5 For example:
- 1.1.6 4. Ebates Cash Back Visa Credit Card
- 1.1.7 5. Cathay Pacific Visa
- 1.1.8 6. American Eagle Outfitters Visa
- 1.1.9 7. Ashley Advantage Credit Card
- 1.1.10 8. Banana Republic Visa
- 1.1.11 9. Belk Store Cards
- 1.1.12 10. Chevron and Texaco Visa cards
- 1.1.13 11. Discount Tire storage card
- 1.1.14 12. TJ Maxx credit card
- 1.1.15 13. PayPal Cashback Mastercard
- 1.1.16 Redeem your cashbacks
- 1.1.17 To make the transfer, cardholders must:
- 1.1.18 14. PayPal Extras Mastercard credit card
- 1.1.19 Bonus points for Paypal cards
- 1.1.20 15. The Old Navy Credit Card
- 1.1.21 16. The Old Navy Visa Card
- 1.1.22 the cardholder must achieve the following results:
- 1.1.23 What are the benefits of getting a Synchrony bank credit card?
- 1.1.24 What happens if a Synchrony Bank credit card gets closed?
- 1.1.25 Should you go for a Synchrony credit card?
- 1.1.26 How Synchrony card can work for you.
- 1.1.27 Final thoughts
- 1.1 Check out our list of best Synchrony Bank Credit Cards:
Synchrony’s Cards Categories
Synchrony affiliate merchants are grouped in specific card account types. There are basically 4 types of cards that cover a variety of shops and services:
- Car Care Credit Card: Includes some car dealerships and tire dealers.
- HOME Credit Card: Includes some retailers of furniture, electronics, and home appliances.
- Sports Credit Card: Includes some retailers of sports and fitness equipment.
- CareCredit Credit Card: Includes some health care providers.
Rather than being limited to individual stores, the four Synchrony cards can be used by many different retailers in their categories. For example, the car care credit card can be used in many car dealerships and The HOME credit card can be used in many home businesses.
If you’re wondering what two credit cards look like in some car dealerships, you may be asking for the same credit card for the maintenance of your car. In this case, the only difference is the name on the card, the name of the business in which you asked. The same applies to the credit cards HOME and Sport.
The Care Credit card may have been used in your doctor’s office. This card can be used by many health care providers and offers deferred financing plans that allow you to pay for medical services over time. One major thing that needs to keep in mind is, if you do not pay the balance before the due date or if a monthly payment is skipped, interest will be charged for the entire period from the date of purchase. This applies to any deferred financing plans that many Synchrony credit cards offer.
Check out our list of best Synchrony Bank Credit Cards:
1. Amazon Prime Store Card
As one of the most popular retailers among physical and online stores, the Amazon Store Card offers many exciting benefits to members. Amazon Store Card offers its core members a great option through its special financing option. The main benefits of this card are a 5% cashback for Premium members when financing plans for equal payments with no annual fees are available.
If you apply online, you will get approval in just 15 seconds. Upon approval, you will automatically receive an Amazon Gift Card worth $ 20.
When you sign up for Amazon Prime and receive the Store Card, you will receive a 5% refund on all your Amazon purchases. So if you are a big buyer of everyday items and gifts all year long, there are many ways to save money.
Another interesting offer through the Amazon Store Card
ability to use a promotional loan instead of a cash refund. If you choose this option, depending on the purchase price, you receive interest-free financing between 6 and 24 months. For a period of 6 months, the purchase must be at least $ 149, and for a period of 12 months, you must spend at least $ 599.
The problem with this is that you have to pay the entire balance in this period to avoid interest payments. If the promotion period ends and you have not returned the balance, any interest accrued since the date of purchase will be charged.
You also have to make all your payments every month. As long as you follow these rules, this can be a cost-effective way to distribute payments for expensive purchases. The Amazon Store Card offers many benefits, regardless of the type you are looking for.
2. Sam’s Club MasterCard
This is one of the premium card issued by Sam’s Club, this card is actually a MasterCard that can be used anywhere. The result is a more robust reward program than just a business card. They often have urgent offers to get approval.
For example, if you spend $ 100 the first day you open your credit card account, a recent action will offer a $ 45 credit balance. For the first $ 6,000 you spend, you get 5% cashback on almost all gas purchases in the country. Once this limit is reached, you will receive a 1% refund.
You will also receive a 3% refund for travel and dinner and a 1% refund for other purchases made with your Sam’s Club MasterCard. Even if you are not a member of Sam’s Club, you benefit from many benefits that have nothing to do with it. As with other Synchrony Bank cards, you can easily open and manage your account online.
3. Walmart credit card
For Walmart’s frequent buyers, this card comes with a lot of perks. As with the Sam’s Club card, you often receive a sign-up bonus. More recently, you could receive a $ 25 bank balance after spending just $ 25 on the first day with the card.
You will also receive a 3% refund for all your Walmart purchases. The shop offers almost everything you need for food, household goods, health products, electronics and more. You can easily do most of your regular purchases at Walmart and get a refund that will quickly make a good deal.
suppose you spend around $35 in food for the average family of four in the US. That’s $ 245 a week, or more than $ 950 a month. Multiply that amount by a 3% discount for 12 months of grocery shopping at Walmart and you’ve earned almost $ 350. It does not even contain what you can buy in the store. For example, clothing or medicines.
The key to a successful rewards program, of course, is that you always pay your balance every month. You should always treat your monthly budget the same. However, you would simply pay your credit card for your checking account every month instead of keeping your debit card at checkout. It takes a bit of discipline, but if you do, you save a lot of money.
4. Ebates Cash Back Visa Credit Card
With Ebates, you can earn rewards by shopping online without applying for a credit card. But if you want to make more money, the Visa Ebates Cash Back credit card is secured.
The card offers a 3% cashback on legitimate online purchases made through Ebates.com and a 1% refund on all other eligible purchases. As long as your balance exceeds $ 5, you’ll receive a check with your refund once a quarter.
You must be a member of Ebates and make purchases directly through Ebates to benefit from the additional 3% refund. Although clicking on the Ebates website before a purchase may be a nuisance to some consumers, it may be worthwhile to earn a 3% cashback. The Ebates portal does not work for all online merchants. Do not forget that you will not get a 3% cashback for all online purchases.
5. Cathay Pacific Visa
The Cathay Pacific Visa is the best choice for a Synchrony Bank Travel Reward Card. The card offers a higher sign-up bonus than aSynchrony Bank Credit Cards and an annual fee of $ 95, which is not tax-exempt in the first year.
For purchases at Cathay Pacific, you will receive 2X miles per dollar, for purchases in restaurants of the United States UU 1.5X miles per dollar. Or abroad: 1.5 times miles per dollar for other purchases abroad and 1 times miles per dollar for other domestic purchases.
There are no transaction fees associated with this card abroad. One and a half kilometers per dollar can be useful when traveling abroad. You must always use a card such as the Chase Sapphire Preferred Card, which will allow you to earn more points in bonus categories such as meals and travel abroad.
If you’re an advanced user of miles and points, you can redeem your Asia Miles points for great trips to Cathay Pacific and its partners.
6. American Eagle Outfitters Visa
American Eagle Outfitters is a clothing store for young adults in college age. They also launched Aerie to compete with brands like Victoria’s Secret.
The credit card associated with AEO Visa receives 15 points for every $ 1 spent in American Eagle or Aerie stores. All other purchases are worth 5 points for 1 USD. When a buyer reaches 2,500 points, he receives a $ 10 coupon that can be used for future purchases from one of the brands.
With this card, Cardholders also receive free standard shipping, a 20-year anniversary coupon, a personal shopping day voucher, special events for cardholders and more.
7. Ashley Advantage Credit Card
The Ashley Furniture HomeStore Credit Card is more of a financing program than a real credit card. It can only be used at Ashely Furniture Homestores and offers 4 different financing options upon check-in.
For the financing plans for 6 and 12 months, there is no minimum purchase required. This purchase can be made online or in-store and combined with discount offers.
In this card, minimum purchase terms apply to the 24-month and 48-month packages, but the purchase can still be made online or in-store but it cannot be combined with discount offers. The 60-month financing plan is only for purchases in the store and this proposal also cannot be combined with discount offers.
8. Banana Republic Visa
The Banana Republic is a Gap brand clothing retailer, which also includes Gap, Old Navy, Intermix and Athleta. With the Banana Republic visa, 5 bonus points per dollar are credited to all purchases at one of the Gap brands. All other purchases pay 1X bonus points per dollar. For every 500 Reward Points, you receive 5 USD for purchases at one of the Gap Brands.
New cardholders get 20% off their first purchase at one of the Gap brands. Cardholders who earn at least 5,000 Reward Points in a calendar year will be upgraded to the Deluxe version of the card.
Luxury cardholders receive a 20% bonus based on their spend every 3 months, bonus point purchase days, free delivery of many purchases, and free basic changes to the Banana Republic and they have an option to Choose their own sales for a day.
9. Belk Store Cards
Belk offers 3 variants of your loyalty card, but you must reach the spending threshold to switch from the Belk Rewards base card.
With the Belk Rewards Card, you will receive 1 point per dollar in Belk and can return without a receipt. If you spend $ 600 in a calendar year, you’ll benefit from these benefits in addition to special savings plans. At an expense of $ 1,500 per calendar year, additional benefits are added, including free shipping, a quarterly “choose your own sales days,” which offer a 20% discount and a 20% off coupon for your birthday.
10. Chevron and Texaco Visa cards
Chevron and Texaco Visa cards generate 3 cents a gallon of fuel when shopping with Chevron and Texaco. You can also earn 10 cents per gallon of fuel when you spend $ 300 with another dealer each month.
If you spend $ 1,000 with another dealer in a given month, you will receive a discount of 20 cents per gallon. These fuel credits must be used at Chevron or Texaco service stations.
11. Discount Tire storage card
The Discount Tire / America’s Tire credit card offers an interest-free action for your first purchase. The duration of the interest-free action can be 6 months, 9 months or 12 months.
In order to benefit from 6 months without interest, your purchase must be between 199 and 999.99 USD. To qualify for 9 months without interest, your purchase must be between $ 1,000 and $ 1,499.99. Finally, purchases of $ 1,500 or more are allowed for 12 months without interest.
12. TJ Maxx credit card
The TJX Rewards credit card (sometimes referred to as the TJ Maxx credit card) is part of the Mastercard network. It can also be used at other dealers. There is also a business card version that can only be used in stores that are part of TJX companies.
Both TJ cards earn 5X points per dollar in the stores of TJ Maxx, Marshalls, HomeGoods and Sierra Trading Post, while Mastercard earns 1X points per dollar on purchases in other stores. For every 1,000 points you earn, you will receive a $ 10 certificate that you can redeem at any of the TJX Family Stores.
13. PayPal Cashback Mastercard
Digital portfolios and online payment systems such as PayPal can facilitate transfers and electronic payments. PayPal Mastercard Cashback refunds 2% on every purchase via its Cash Rewards program. There is no restriction on the type of purchase that generates cashback. Cardholders receive a 2% refund on all purchases.
Eligible purchases include no balance transfers, cash advances, paychecks, contested or unauthorized purchases, fraudulent transactions or other transactions for which no rewards can be granted.
It is delivered with bonus rewards that are available from time to time for certain purchases and offer a higher reimbursement percentage than the standard rate of 2%.
The PayPal Cashback Mastercard Credit Card is a day pass as there are no categories or quarterly bonuses. If linking your refund directly to your PayPal account is of critical importance to you, this card can be a great option. If you would like to use a credit card for your daily expenses that will allow you to get back money on almost all your purchases and PayPal does not interest you, read the “Alternative Rewards Credit Cards” section below.
Redeem your cashbacks
Cash bonuses are available for a monthly exchange. There are bonuses to transfer the billing period to your PayPal account after your pickup. They earn a month and can trade the next one.
To make the transfer, cardholders must:
- Log in to your PayPal account
- Go to your Reward Overview page
- Transfer the amount of your choice to your PayPal balance
Once the rewards are completed, they can be used once. There is no minimum buyback threshold for the transfer of cash bonuses.
14. PayPal Extras Mastercard credit card
With the credit card PayPal Extras MasterCard collect cardholders points with awards for category issues, eg. B. 3 points per dollar spent on gas purchases, 3 points per dollar spent on restaurant purchases, 2x points per dollar spent on PayPal and eBay purchases are 1x points per dollar spent on all other purchases, and 3 points on Gasoline and food a good advantage.
The 2 points of PayPal and eBay purchases may or may not be advantageous depending on the active use of these purchase options. PayPal is increasingly being offered as a means of payment, including many online retailers such as Target, Best Buy, Hotwire.com, Macy’s and Under Armor, and sometimes Google Pay and Samsung Pay.
Bonus points for Paypal cards
For Paypal cards, bonus points will be credited to your account once a month during the billing cycle once you have earned points. You collect points in one month and the next one is credited. The points are calculated daily, with the total amount of daily shopping rounded to the entire dollar.
The points you earn with your PayPal Extras credit card are limited. A cardholder can collect a maximum of 50,000 points per account year.
When redeeming points with the PayPal Extras Mastercard credit card, consider the score per dollar spent. Paypal announces that cardholders need 6,000 points to use PayPal to receive $ 50 in cash. This equates to about 0.83 cents per earned point, which is a low value, considering that the typical income ratio of most cards is 1: 1. The points of some specific Synchrony Bank Credit Cards are evaluated. much more if you use it optimally. For example, with the Chase Sapphire Preferred Card, you can earn extremely valuable Ultimate Rewards points when you give them to airlines and partner hotels.
PayPal offers the following categories for redeeming points, such as air travel, hotel bonuses, rental cars, gift cards, promotional items, and holiday pay.
Old Navy is known for its affordable and elegant clothing that is suitable for the whole family. There always seems to be a sale, and it’s rare that you can not find a coupon, promotion, or special offer to get more from your purchase.
When you shop at Old Navy, you probably love saving, so you can take advantage of the credit of your brand with the brand of the business. This is the credit card of your basic brand, which usually means that it can only be used for the brand shop: in this case Old Navy.
What’s a little different from other brand credit cards is that Old Navy is part of the Gap family of brands (Gap, Old Navy, Banana Republic and Athleta), so your card can also be used in these stores. ,
Key benefits of the Old Navy credit card include benefits such as collecting 5 points per dollar spent on the Gap Family brand with 20% off the first purchase. You also have the right to participate in special events, discounts and promotions, bonus point deals and a 60% 60-day savings plan.
The Old Navy Visa Card is considered one of the best synchrony bank credit cards. The is a visa distinction card which means that this card can be used wherever Visa is accepted. Holders of Old Navy Visa receive the same benefits as holders of Old Navy credit cards. Users are entitled to receive one point for every dollar spent where Visa is accepted. These cards are status cards of the old navy. You can not request these cards directly. To obtain the sailor status,
the cardholder must achieve the following results:
- Collect 5,000 bonus points (without bonus points and returns) in one calendar year
- Make the minimum payment before the due date after you reach 5,000 points
- Keep your account up to date
- Under the terms of this program, Navyist status updates will be processed within 90 to 120 days of customer qualification.
The rewarded member must qualify for each calendar year to maintain his or her credit status. All Navyist cardholders receive benefits for ordinary cardholders in addition to the benefits listed above. That means you can earn 5 points per dollar spent on Gap family brands, as well as 20% off first purchases, special events, discounts and promotions, shopping days with bonus points and 60% savings.
Other benefits include 20% bonus points per quarter and free delivery within 3 to 5 business days via Gap family brands. You can also get a free basic change for purchases in the banana republic with a direct line dedicated to the owner of the Navyist card.
As with the basic Old Navy card, the Navyist card can only be used in the Old Navy and other Gap Family stores like Gap, Banana Republic, and Athleta.
What are the benefits of getting a Synchrony bank credit card?
Whether you choose a reward card that can be used anywhere or a business-specific credit card, you can benefit from a Synchrony card in many ways. First, you can take advantage of the benefits and rewards programs.
You may be able to get great cashbacks at your favorite store, a discount on your purchases or cashback offers. Whatever the reason, many people prefer to have a wide range of credit cards in their wallets to make sure they have access to the best opportunities of the moment.
If you tend to buy a lot, you can use these cards to a considerable extent. But they can also be helpful in repairing bad credit when used properly.
If you have encountered unfriendly elements that result in low credit, it can be difficult to obtain a credit card even if you pay debts and change things.
Although Synchrony typically conducts a credit check, memory cards are rarely as strict in their credit rating as regular credit cards. It’s a great way to build your balance, whether you’re starting or just starting.
What happens if a Synchrony Bank credit card gets closed?
With online shopping fundamentally changing the retail market, it’s not surprising that many physical businesses are facing major challenges. What if you have a card of the Synchrony business and they close the deal?
Do not worry, in most cases the card account will simply be converted to a different card type. Synchrony will contact you if you get accurate information about what to expect.
For example, when Toys R Us was closed, cardholders were converted into a Synchrony MasterCard. The program included a 2% reimbursement program and no annual fee. Even if a business has financial problems, your account is only marginally affected.
Should you go for a Synchrony credit card?
Before you ask for one or more Synchrony Bank Credit Cards, ask yourself why you want a different credit card. It’s important to know that most transactions associated with Synchrony generate a powerful extraction of your credit report.
You can still get a permit. Note, however, that all of these queries appear in your report when you send one request to several at the same time. This is true for everyone, but for creditors, it may seem more worrisome when it comes to a person with a bad credit rating than a person with a stronger credit rating.
How Synchrony card can work for you.
If you want to use the savings of a particular business, the appropriate Synchrony card can work for you. Reconsider the number of applications you submit each year. Every single requirement in your credit report lowers your credit rating for 12 months and stays there for 12 months.
You can start by choosing one or two business cards that will give you more for your money. If you wish, you can add more over time and these queries will leave your report.
As long as you pay no annual fee, keep the cards open as long as possible, even if you have no credit. Part of your credit depends on the age of your accounts. The more credit cards you have, the better your credit rating.
This is another argument for opening multiple accounts at the same time as the further opening of a new credit card reduces the total age of the accounts. It is a complicated dance when it comes to maintaining your creditworthiness. So do your best efforts over and over the next two years for and about your credit targets.
Although there are clearly many options for Synchrony Bank credit cards, most of them really lack quality, no matter how high they are. The Amazon Store Card, Sams Club cards, and the Cathay Pacific Visa cards work great for a small section of the population, but there’s a reason we do not hear that much about Synchrony Bank Credit Cards like Chase or American Express.
In terms of earning miles and remaining points, Synchrony Banks has almost nothing to offer. The Cathay Pacific Visa has its place, but definitely not for beginners. But if you are looking for some great rewards and purchases, you must definitely consider choosing synchrony bank credit cards.
Let me know in the comments section below what you think is the best synchrony bank credit card in terms of the features and rewards they bring.