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Synchrony Bank Credit Cards

16 reviews and 2 comparisons

Synchrony Bank is one of the largest issuers of co-branded and private-label store credit cards in the US. Browse FinBedrock's research-based reviews of Synchrony Bank-issued cards below.

APR check: Average highest APR on Synchrony Bank cards — 32.28% (FinBedrock APR Index, October 2026). See how Synchrony Bank compares with other issuers →

Reviews

Walmart OnePay Card Review (2026)

★ 3.8/5    Annual fee: $0    Bonus: $35 cash back upon account opening
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Verizon Visa® Card Review

★ 3.5/5    Annual fee: $0    Bonus: $150 statement credit
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JCPenney Credit Card Review

★ 3.3/5    Annual fee: $0    Bonus: $35 off a purchase of $35–$499.99, or $125 off a purchase of $500 or more
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MyLowe’s Rewards Credit Card Review: Is the Former Lowe’s Advantage Card Worth It?

★ 3.3/5    Annual fee: $0    Bonus: 20% off your first purchase (max $100 discount)
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Sam’s Club® Mastercard® Review

★ 3.3/5    Annual fee: $0    Bonus: $30 statement credit
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DICK’S Credit Card Review

★ 3.2/5    Annual fee: $0    Bonus: $30 Bonus Reward, issued within 60 days after opening and using a new DICK'S Credit Card account (no minimum purchase amount is published)
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Harbor Freight Credit Card Review

★ 3.2/5    Annual fee: $0    Bonus: 10% off your entire first purchase when you open an account (excludes shipping and handling; forfeited on that purchase if you choose an equal-pay financing plan instead)
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Real Rewards by American Eagle & Aerie Visa Card Review (2026)

★ 3.2/5    Annual fee: $0    Bonus: 20% off your first AE or Aerie purchase
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TJX Rewards Credit Card Review (2026): Is the Store Card Worth It?

★ 3/5    Annual fee: $0    Bonus: 10% off your first purchase
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Amazon Store Card Review: Is It Worth It?

★ 2.9/5    Annual fee: $0    Bonus: an Amazon Gift Card, loaded automatically on approval (exact amount not published by Synchrony)
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Belk Rewards+ Credit Card Review

★ 2.7/5    Annual fee: $0    Bonus: 1,000 Bonus Belk Reward Points (worth $10 in Belk Reward Dollars) for making a purchase on the day the account is opened, plus a 20%-25% off first-purchase coupon (20% or 25% if approved instantly, 20% if approved later by mail)
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Techron Advantage® Visa Card Review

★ 2.6/5    Annual fee: $0    Bonus: 62¢ off per gallon in Fuel Discounts (on top of the everyday 3¢ off) at participating Chevron and Texaco stations for the first 30 days after opening a new account, for accounts opened 10/1/2026-3/31/2027
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CareCredit Credit Card Review

★ 2/5    Annual fee: $0    Bonus: None
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Discount Tire Credit Card Review

★ 1.7/5    Annual fee: $0    Bonus: No fixed welcome bonus. Synchrony/Discount Tire run a rotating, purchase-linked Instant Savings promotion instead (seen as $50 off a $599+ purchase and, separately, $90 off a $799+ purchase during 2026); amounts and dates change every few weeks.
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Ashley Advantage® Credit Card Review

★ 1.6/5    Annual fee: $0    Bonus: None
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QVC QCard Review

★ 1.5/5    Annual fee: $0    Bonus: None — no welcome/sign-up bonus; card value comes from Easy Pay installment plans and periodic 0% deferred-interest special financing on qualifying purchases
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Comparisons

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