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 can be a good fit if you want flexible approval requirements, store perks, or promotional financing. But they only work to your advantage if you use them strategically.

Promotional Financing: Helpful but Risky

Many Synchrony cards offer 0% interest for a set period on qualifying purchases. This sounds great—but most of these deals come with deferred interest.

• Deferred interest – If you don’t pay the full balance by the end of the promo period, you’ll be charged all the interest that would have built up from day one.
• High APR – If you carry a balance beyond the promotional period, you could face rates over 25%.
• Smart strategy – Divide your purchase amount by the promo period months. Pay at least that amount each month to avoid interest.

Credit Building Features

Synchrony reports your activity to all three major credit bureaus. That makes these cards a potential tool for building or rebuilding your credit.

• On-time payments – Paying every bill on time helps improve your credit score.
• Low balances – Keep your spending well below your credit limit to maintain a healthy credit utilization ratio.
• No annual fee – Most cards have no annual fee, so you can keep them open longer to boost the length of your credit history.

Potential Downsides of Synchrony Bank Credit Cards

Before applying for a Synchrony credit card, it’s worth knowing about the potential drawbacks—especially if you’re planning to use it long-term.

Account Closures for Inactivity

Synchrony has a track record of closing inactive accounts without notice. That can hurt your credit even if you have a strong history with the card.

• Why it matters – Closing a card reduces your available credit and can raise your credit utilization ratio, which may lower your credit score.
• How to avoid it – Use the card for a small purchase every few months and pay it off to keep the account active.

Mixed Reviews on Customer Service

Some cardholders report issues getting support when something goes wrong, especially with billing errors or disputes.

• Long hold times – It may take a while to reach a live person.
• Dispute challenges – Resolving fraudulent charges or incorrect info can be difficult.
• Heavy automation – Synchrony leans on automated systems, which can make personalized help harder to get.

If strong customer support is a top priority for you, compare Synchrony with other credit card issuers that are known for better dispute resolution and account assistance.

Credit Score Needed for Synchrony Cards

One of the biggest advantages of Synchrony Bank is its flexible approval process—especially for store-branded cards. But requirements still vary depending on the type of card.

• Store cards – Many store-branded Synchrony cards are available to those with fair to good credit (typically 600–700).
• Specialty cards – Some options, like CareCredit, may approve applicants with scores as low as 580.
• Co-branded cards – Synchrony cards that run on Visa or Mastercard networks usually require good to excellent credit (670+).

You’re more likely to get approved for a store card than for a general-purpose rewards card, but approval is never guaranteed.

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.

How to Pick the Right Synchrony Card

With nearly 200 Synchrony credit cards to choose from, it’s easy to feel overwhelmed. Here’s how to narrow it down and find one that actually fits your life:

• Where do you shop most? Pick a card from a retailer you visit regularly. That’s where you’ll get the most out of the rewards or discounts.
• Do you need financing for a big purchase? Some Synchrony cards offer promotional financing for 6, 12, or even 24 months. Just make sure you are clear on how deferred interest works.
• Are you focused on building credit? Many Synchrony cards report to all three major credit bureaus. If that’s your goal, look for a no-annual-fee card you can keep open long-term.
• Do you want rewards or just flexibility? Some cards give cashback or store perks, while others are better for managing expenses interest-free.
• Do you need a card you can use anywhere? If you’re looking for everyday spending flexibility, consider one of Synchrony’s co-branded cards backed by Visa or Mastercard.

Choosing a Synchrony card isn’t just about the perks—it’s about matching the card’s benefits to your actual habits.

Synchrony Cards That Work Anywhere

Most Synchrony credit cards are closed-loop, meaning you can only use them at the specific retailer. But there are some exceptions—Synchrony also issues co-branded credit cards that run on Visa or Mastercard networks. These cards work at millions of locations, not just the partner store.

Here are some of the top Synchrony cards you can use anywhere:

• Sam’s Club® Mastercard® – Works wherever Mastercard is accepted. Offers cashback on gas, dining, and travel.
• PayPal Cashback Mastercard® – Earns 2% cashback on every purchase, with no annual fee.
• PayPal Extras Mastercard® – Offers point-based rewards on PayPal and everyday purchases.
• Verizon Visa® Card – Earns rewards on gas, grocery, dining, and Verizon purchases.
• Cathay Pacific Visa® Card – A travel-focused rewards card that works globally.
• Virgin Red Mastercard® – Earns Virgin Points across categories, not just on Virgin purchases.

If you’re looking for a Synchrony card that works like a traditional credit card, these co-branded options give you the flexibility to spend and earn rewards anywhere Visa or Mastercard is accepted.

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

Synchrony Bank powers some of the most popular store credit cards in the country. Whether you’re after special financing, easier approval, or store-specific rewards, there’s probably a card that fits your lifestyle. But don’t just chase the biggest discount—focus on a card that matches how you actually spend.

The right card can help you save money, finance big purchases, or build your credit over time. Just be sure to read the fine print and use it responsibly.

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.

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.

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.