Synchrony Bank Credit Cards: A List, Best Cards & Easiest Cards To Get Approved For

Synchrony Bank is the consumer arm of Synchrony financial (formerly GE Capital Retail Finance Corporation), they are one of the biggest card issuers of store cards and store credit cards. They have partnerships  In this post we will look at a full list of the credit cards and store cards they offer.

Full List Of Synchrony Credit Cards

These cards can be used where ever the payment process (e.g Visa or Mastercard) are accepted. Where possible we have linked to our in depth reviews of these products.

Full List Of Synchrony Store Cards

For the purposes of this post, we consider a store card a card that doesn’t have a partnership with a payment network (e.g Visa, Mastercard, Visa, Discover, etc) and can’t be used anywhere those cards are accepted and instead can only be used at a specific store or stores. These cards can only be used at the stores they are branded for, as such they aren’t really credit cards but store cards.

Apply In Store

There are a few store cards that you must apply for in store. They are as follows:

  • Yamaha
  • Suzuki
  • Polaris
  • KTM
  • Kawasaki

Best Synchrony Cards

Most of the store cards aren’t even remotely worth considering as they just offer no interest if paid in full within 6 months on purchase of $199 or more (Blispay offers this and also gives you 2% cash back). This is usually the best case scenario as well, as often they won’t really offer anything at all.

Some of the actual credit cards are a bit more interesting, for example:

Easiest Synchrony Cards To Get

Unlike Comenity Bank the SCT (shopping cart trick) will not work for these cards, that being said the store cards will most likely be easier to get than the credit cards. If you have bad credit you might be better off either using the SCT or getting a secured card such as the Discover it secured.

Rules

Final Thoughts

I’m sure I’ve missed some store and credit cards, so feel free to contribute in the comments below. Also let me know if you think any cards should be added to the best or easiest to get lists.

 
    William Charles
  • On October 26, 2016, 12:00

View Comments (121)

  • Word of warning......if you don’t use your accounts within a year, they will automatically close it with no recourse. You will have to reapply, and there is no guarantee they will approve you again for a card.

    This company was giving me credit left and right until recently. I reapplied for the closed accounts and got declined for all but one and got a lower credit limit on the one they approved. This is despite my credit actually being in better shape than it was a year ago.

    Synchrony helped my credit but now they are damaging it by closing the accounts.

    I suggest making sure yearly you go and buy something small just to keep the cards active.

  • Name of Credit Card shows up on Credit Report, Bank Name, Credit Bureau report pulled on

    Amazon.................Chase Card Bank........Experian/TransUnion(2)
    Petal Card..............Webbank....................Experian
    Discover It..............Discover Financial......Experian
    Uber.......................Barclay's Bank Del......TransUnion
    Kohls......................Capital One................TransUnion
    Gettington...............Webbank....................Experian
    Credit One..............Credit One..................Experian
    Capital One.............Capital One.................Experian
    Capital One.............Capital One.................TransUnion
    Amex......................American Express.......Experian
    Overstock...............Comenity Bank............Experian
    CBNA/Citi Bank.......Citi Bank.....................Experian
    CBNA/Best Buy.......Citi Bank.....................Experian
    CBNA/Sears............Citi Bank.....................Experian
    DSNB/Macys...........Dept Stores Nat Bank..Experian
    Walmart Mastercard..Synchrony Bank.........TransUnion/Experian
    Fingerhut..................Webbank....................Experian (1)
    Fingerhut..................Webbank....................Experian (3)
    Target Redcard.........TD Bank USA.............Equifax

    (1) Installment Loan
    (2) Listed as Chase Card on Credit Report instead of Amazon
    (3) Revolving Credit Card

  • Day 2 - Tried to apply.
    Application website down.

    Tried to apply yesterday, website having problems.

    Tried again today, still not working.

  • Living Spaces uses Synchrony. Always promos are $300-$999=6 mon 0%
    $1k-$1999=12mon 0% and $2k ^=18 mon 0%
    Seasonal promos are $2k^=24 mon and $3k^=36 months 0%

  • I got the Old Navy Account and the farthest point $300.00. I just charged a couple of things and paid them off. Synchrony Bank. They shut my record intentionally and I feel that should look great on my credit report

    • Why are you posting this exact message in the same thread twice under two different names? You posted it under the name Lynda Farley last time.

  • Synchrony also pulls a score from Sagestream. When I began my churning journey earlier this year, my first new card attempt was one other theirs (in retrospect, a foolish decision). This remains the only bank thus far that has denied me for a credit card. For reference, my credit scores at the time were ~780 and I had one card for the past 14 years - always paid off in full each month, no derogatory marks or late payments.

    I was denied credit due to my score from Sagestream being low. The reasons for the low score were essentially along the lines of not enough credit cards/experience with credit cards.

    Since then I have applied for 8 new cards from BoA, Chase, AMEX, Capital One, Barclays, and Citi. No denials from any of them.

    If I go back to get one of their cards now, I suspect I will be approved without issue since my risk profile is now higher (more open credit cards and recent inquiries), so it probably looks like they might profit off of me. But now that I know more, I realize the majority of their cards are useless. So thank you Synchrony for denying me credit and keeping one of my Chase slots open!

  • I completed my app & got a message saying decision will be made doing to me... the one problem is I'm not able to check the status online.

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