Synchrony Bank Credit Cards for 2024 (Full List)

If you currently have a store credit card or have thought about getting one, there’s a good chance that it’s from Synchrony Bank. With more than 85 years of experience in the financial services industry, Synchrony partners with well-known retail brands across the country.

Synchrony Bank

The credit card issuer has over 80 million customer accounts, demonstrating just how far-reaching its credit cards are. So if there’s a chain store you shop at, chances it offers a credit card. And if that’s the case, there’s a pretty big chance that Synchrony runs the show.

Unlike some other store credit cards, Synchrony cards do perform a credit check in most cases. But in general, lending guidelines are less strict for a retail card than a traditional credit card. So, even if you have less than perfect credit, you still have a shot at getting approved.

If the terms and conditions align with your financial goals and abilities, then a Synchrony credit card could be a great fit for you. But before you make up your mind, find out everything you need to know about Synchrony Bank store credit cards.

Which credit cards are offered by Synchrony Bank?

Synchrony offers countless credit cards for national stores in just about every type of category. To get an idea of which you might be interested in, check out this comprehensive list.

You’ll find tons of specialty stores, as well as some surprising major retailers. In addition, some of the best credit cards have 0% interest rates for up to 18 months. In total, there are nearly 200 retail credit cards issued by Synchrony. Some are backed by Visa or MasterCard and can be used anywhere, while others may only be used in the actual store.

Full List of Synchrony Bank Credit Cards

  • 1800Mattress
  • 4 Wheel Parts
  • AAMCO Transmission
  • ABC Warehouse
  • ABT Electronics
  • Airport Home Appliance & Mattress
  • Alto Music
  • Amazon
  • American Eagle Outfitters
  • American Signature Furniture
  • America’s Tire
  • Ariens and Gravely
  • Art Van
  • Ashley Furniture Home Store
  • At Home
  • Athleta
  • Banana Republic
  • Bargain Outlet
  • Becker Furniture World
  • Bedzz Express
  • Belk
  • Bernina
  • Bert’s Bikes & Fitness
  • Big Sandy Superstore
  • Bjorn’s
  • Blain’s Farm & Fleet
  • Bomgaars
  • Bowflex
  • BP
  • BrandsMart USA
  • Briggs & Stratton
  • Broyhill Furniture
  • Cabinets To Go
  • Calico
  • Canales Furniture
  • CareCredit
  • Carpet One Floor & Home
  • Car-X Tire & Auto
  • Cathay Pacific
  • CheapOair
  • Chevron and Texaco
  • Citgo
  • Coleman Heating & Air
  • Conoco
  • Conservation Construction
  • Container Store
  • Crate and Barrel
  • Crutchfield
  • Daltile
  • Daniel’s Home Center
  • Discount Tire
  • Dock 86
  • DR Power
  • Dream Bed
  • Drexel Heritage
  • DX Engineering
  • Ebates
  • eBay Extras
  • eBay Platinum
  • Electronics Express
  • Ethan Allen
  • Ferris Mowers
  • Flooring America
  • Freedom To Ride
  • Gabberts
  • Gap
  • Generac
  • Goedeker’s
  • Golfsmith
  • Gravely
  • Guitar Center
  • Havertys
  • Henredon
  • HH Gregg
  • HOM Furniture
  • HomeGoods
  • HSN
  • Hudson’s Furniture
  • Husqvarna
  • Hyde Park Jewelers
  • JCPenney
  • Jennifer Furniture
  • Jewelry Exchange
  • Jiffy Lube
  • Kane’s Furniture
  • Karastan
  • Kawasaki
  • Kiesel Custom Guitars
  • Kraft Music
  • KTM
  • Lane Furniture
  • La-Z-Boy
  • LensCrafters
  • Lowe’s
  • Lyft
  • Lumber Liquidators
  • Maaco
  • Mahindra
  • Marshalls
  • Marvel
  • Massey Ferguson
  • Mathis Brothers
  • Mattress Firm
  • Mattress Warehouse
  • Mavis Discount Tire
  • McCoy’s Building Supply
  • Meineke
  • Metro Mattress
  • Midas
  • Mitsubishi Electric
  • Mohawk Flooring
  • Morris Home Furnishings
  • Musician’s Friend
  • Napa EasyPay
  • Nautilus
  • Newegg
  • Nissan
  • Norwegian
  • Old Navy
  • Olejo
  • OneTravel
  • P.C. Richard & Son
  • Pandora
  • PayPal Extras
  • PayPal Platinum
  • Pep Boys
  • Polaris
  • Precision Tune Auto Care
  • QVC
  • Regency Furniture Showroom
  • Rheem
  • RiteRug Flooring
  • Rooms & Rest
  • Rooms To Go
  • RUUD
  • Sam Ash
  • Sam’s Club
  • Scarab Jet
  • ScoreCard (Dick’s Sporting Goods, Golf Galaxy, Field & Stream)
  • Sewing & More
  • Sewing Machines Plus
  • Shaw Floors
  • Sheely’s Furniture & Appliance
  • ShopHQ (formerly Evine)
  • Sierra Trading Post
  • Simplicity
  • Sleep Experts
  • Sleep Number
  • Sleep Train Mattress Centers
  • Sleepy’s
  • Snapper Pro
  • Sony
  • Specialized Bicycles
  • Stein Mart
  • Synchrony Car Care
  • Synchrony HOME
  • Synchrony Sporting Goods
  • Summit Racing Equipment
  • Sunglass Hut
  • Sutherlands
  • Suzuki
  • Sweet Dreams Mattress & Furniture
  • Sweetwater
  • System Pavers
  • TechNet
  • Teletron
  • Thomasville
  • Tire Discounters
  • Tire Pros
  • Tire-Rama
  • TJ Maxx
  • Toro
  • Town Fair Tire
  • Toys “R” Us
  • Tuffy Tire and Auto Service
  • US Appliance
  • Value City Furniture
  • Vaughan-Bassett
  • Verizon
  • Vintage King
  • Westrich Furniture & Appliances
  • Woodwind & Brasswind
  • Yamaha
  • York

Automobile Credit Cards from Synchrony Bank

In addition to retail store cards, Synchrony Bank also offers credit cards for a few specific automobile companies. Unfortunately, you can’t apply online, but must instead visit a brick-and-mortar location to get one of these credit cards.

This type of credit card can help you finance purchases such as motorcycles, ATVs, PWCs, and snowmobiles. You can currently get a credit card with Yamaha, Polaris, KTM, Suzuki, Kymco, and Kawasaki.

What are the benefits of getting a credit card from Synchrony Bank?

Opting for a credit card from Synchrony Bank comes with various perks, whether you go for a universal rewards card or a retailer-specific one. One of the primary attractions is the access to an array of rewards and benefits programs.

Depending on the card, you could accumulate store credits, enjoy immediate discounts on eligible items, earn cashback, or even receive instant savings upon getting approved for credit.

Many individuals appreciate the flexibility of having a diverse collection of credit cards, as this allows them to capitalize on the most appealing deals and incentives available at any given time. If you’re a frequent shopper, these cards can offer significant advantages. Moreover, when used responsibly, they can also serve as effective tools for improving a poor credit score.

What happens if a Synchrony Bank credit card store closes?

With online shopping changing the retail market completely, it’s no surprise that many brick-and-mortar stores are facing major challenges. So, what happens if you have a store card from Synchrony and the store closes?

Don’t worry; the credit card account will convert to another type of card in most cases. Synchrony will contact you if this happens to give you details on what to expect. Meanwhile, continue to make the minimum monthly payments on your credit card bill to avoid penalties.

When Toys R Us went out of business, for example, cardholders were given a Synchrony MasterCard. The program came with a 2% cashback rewards program and no annual fee. So, even if a store hits financial trouble, your credit card account will only be mildly impacted.

What are the best Synchrony credit cards?

Some of Synchrony’s credit cards come with better financial benefits than others. But, of course, the real measure is whether you actually shop at a specific store and how the related perks can actually help you.

There’s no sense in getting a credit card you won’t use (or worse, use without real reason), so take this list with a grain of salt. Still, there are some major differences in what each credit card offers.

In an attempt to help the broadest range of consumers, we’ve pulled together the Synchrony credit cards with the best overall benefits.

Start looking at these, and then follow up with research on other Synchrony credit cards that specifically interest you.

Amazon Store Card

As one of the most popular retailers among both online and physical stores, the Amazon store card provides members with plenty of attractive benefits.

When you apply online, you can get approved in as quickly as 15 seconds. Once you are approved, a $100 Amazon Gift Card will instantly be loaded into your Amazon account.

If you join Amazon Prime along with getting the store card, you’ll also receive 5% cashback on all of your Amazon purchases. So if you’re a big online shopper for everyday items on top of gifts throughout the year, there are plenty of opportunities to save.

Interest-Free Financing

Another interesting offer through the Amazon Prime store card is the chance to use promotional financing instead of getting cash back.

If you select this option, you can get interest-free financing anywhere between 6 and 24 months, depending on the purchase price. For the 6-month period, the purchase must be at least $149, and for a 12-month repayment period, you must spend at least $599.

The catch here is that you must repay the entire balance within that timeline to avoid paying interest. If the promotional period ends, and you haven’t repaid the full balance, then you’ll be charged all the interest that would have accrued since the actual purchase date.

You also have to make all of your payments each month. But as long as you follow these rules, this can be an affordable way to spread out payments on an expensive purchase. In addition, the Amazon store card offers plenty of perks, regardless of what kind you’re looking for.

Sam’s Club MasterCard

Though issued through Sam’s Club, this credit card is actually a MasterCard that you can use anywhere. Accordingly, you get a rewards program that is more robust than just a store card. In addition, they frequently have time-sensitive offers for getting approved.

For example, a recent promotion offers a $45 statement credit when you spend $100 on the first day you open your credit card account. You can also get 5% cashback on just about any gas purchase throughout the country for the first $6,000 you spend. After you reach that limit, you still get 1% back.

Moreover, you get 3% cashback on travel and dining out and 1% back on other purchases made with your Sam’s Club MasterCard.

So, even if you’re not a Sam’s Club member, there are plenty of unrelated benefits that you can take advantage of. Just like other Synchrony Bank cards, you can easily open and manage your account online.

Should you get a Synchrony credit card?

Before applying for one or more Synchrony credit cards, think about why you want another credit card. Like many other credit card issuers, most Synchrony will perform a hard inquiry on your credit report when you apply.

Getting approved is certainly possible, but keep in mind that multiple applications within a short period will result in several hard inquiries appearing on your credit report. This could potentially be a red flag for creditors, especially if you already have a low credit score. Multiple hard inquiries can also lower your credit score for up to 12 months and will remain on your report for an additional year.

If you’re keen on making the most of specific store discounts, a Synchrony card might be a good fit for you. Just be mindful of the number of applications you submit within a year. Initially, aim for one or two Synchrony cards that offer the best value. As older inquiries disappear from your credit report, you can consider adding more cards to your portfolio.

Boosting Your Credit Score

Maintaining a credit card, especially one without an annual fee, can help enhance your credit score over time. The age of your credit accounts plays a role in determining your score, so older accounts are generally beneficial. This is one reason why you might consider opening multiple accounts simultaneously, as continuously adding new cards can decrease the average age of your accounts.

Additionally, a crucial aspect of building your credit is managing your credit utilization wisely. Using only a small portion of your total credit limit across your accounts will present you as a responsible borrower and positively impact your credit scores.

As you think about your financial future, consider setting specific credit goals for the next couple of years. Between managing your credit limits effectively and mindful account age maintenance, you’ll be well-positioned to make decisions that improve your overall credit health.

Which other banks offer store cards?

There are many other banks and financial institutions that offer store credit cards in addition to Synchrony Bank. Some examples of other banks that offer store cards include:

  • Barclays: Barclays offers credit cards for brands such as Athleta, American Airlines, Banana Republic, Barnes & Noble, GAP, Old Navy, and others.
  • Capital One: Some popular Capital One credit cards include: Kohl’s, Macy’s, Menards, Neiman Marcus, Saks Fifth Avenue, and Walmart.
  • Citibank: Some of the store cards you get from Citibank include: Best Buy, Bloomingdale’s, ExxonMobil, Home Depot, Office Depot, Sears, Shell, and Staples.
  • Comenity Bank: Comenity Bank offers over 150 store branded credit cards for brands like American Eagle, Eddie Bauer, Express, Forever 21, Lowe’s, T.J. Maxx, and more.
  • U.S. Bank: Popular co-branded cards from U.S. Bank include: Fry’s, Harley-Davidson, Korean Air, and Kroger.
  • Wells Fargo: Wells Fargo has a few popular store cards including, American Furniture, Bryant, and Dillard’s.

Bottom Line

A Synchrony Bank credit card can help you build or rebuild credit over time. But, regardless of what kind of credit card you have, remember to use it responsibly. Avoid store cards if you think you’ll be tempted to spend more than you can afford.

Luckily, your credit line will start off small. Over time, you’ll likely see an increase as you use your card responsibly. If you continue to do so, you’ll keep getting rewards, benefits, and a better credit score. At that point, it’s a win-win situation all around.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.