Synchrony Bank doesn’t have the name recognition of some other banks, but it issues the store credit cards for many popular retailers.
And while these cards are often known for their discounts and rewards programs, as retail cards they can also be some of the easiest cards to be approved for on the market.
This list shows our top picks of the best Synchrony Bank credit cards. They may be worth a look, based on your shopping habits and needs.
How to make the most of these Synchrony Bank cards
Store credit cards, including these options from Synchrony Bank, can offer meaningful rewards and benefits, but they also come with plenty of risks. Before you apply for one, it’s important to understand what to watch out for in the card’s terms and conditions.
For instance, some Synchrony Bank credit cards are considered closed-loop credit cards, which means they can only be used at specific retailers. If you’re looking for a card that you can use anywhere, then a closed-loop card probably isn’t for you.
Store cards typically carry higher APRs than other cards, as well. If you carry a balance on any of these cards, you could get hit with heavy interest charges that outweigh the benefit of your rewards.
No matter which of these cards you might opt for, it’s important to pick a card that matches your spending habits. If you find yourself visiting a store and using your card more often just because it offers rewards, then it’s probably worth considering another card.
How we picked these cards
To pick the best Synchrony Bank credit cards, we evaluated dozens of the retail cards Synchrony Bank offers. Then, we picked cards that stood out from the pack in one way or another.
We also wanted to make sure our picks were relevant to your daily life. 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.