Full List of Synchrony Bank Store Credit Cards [Includes the Best Cards]

Synchrony Bank

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While you might not hear of Synchrony Bank as often as Chase, Citi, or American Express, they provide over 100 credit card options. Many of these cards are linked popular brands such as Amazon, eBay, and PayPal.

Some of these cards offer some interesting cash-back opportunities, and they even offer a co-branded airline card with Cathay Pacific. Their co-branded Banana Republic card has been particularly popular as well.

Similar to Comenity Bank, which also offers tons of store-branded credit cards, Synchrony Bank store credit cards are often easier to get than some other cards (and several are instant approval cards). One big difference between the 2 banks is that Synchrony Bank does not have a “Shopping Cart Trick.”

What’s a “Shopping Cart Trick?” This allows applicants to open some Comenity Bank store cards without a hard pull on their credit reports, which increases approval odds.

Let’s take a look at the many cards offered by Synchrony Bank and discuss some of the best and most popular cards they provide.

(If you’re looking for information on additional types of cards, you’ll find more in our main credit cards section)

List of All Synchrony Bank Credit Cards

List of All Synchrony Bank STORE Cards

Best Synchrony Bank Credit Cards

Synchrony Bank offers a wide range of credit cards, but we’ve narrowed down this big list down to our top 3 cards for travel and everyday spending.

Amazon Prime Store Card

The Amazon Prime Store Card offers 5% cash-back on all purchases on Amazon. That alone makes this card worth it for many heavy Amazon shoppers. To receive the 5% cash-back on your purchases, you must have an eligible Amazon Prime membership.

If you do not have a Prime membership, you will only be able to use the Amazon.com Store Card, which does not earn 5% cash-back on purchases at Amazon.

Amazon is regularly one of the quarterly bonus categories for cards such as the Chase Freedom® Credit Card. But with the Amazon Prime Store Card, you can get 5% cash-back all year.

These cards come with no annual fee.

Cathay Pacific Visa

Cathay Pacific A350
Book Cathay Pacific business class with a stopover thanks to Asia Miles.

The Cathay Pacific Visa is your best bet for a travel rewards card from Synchrony Bank. The card comes with a larger sign-up bonus than you’ll generally find with any Synchrony credit card, and it has a $95 annual fee that is not waived the first year.

It earns 2X miles per dollars on purchases with Cathay Pacific, 1.5X miles per dollar on dining purchases in the U.S. or abroad, 1.5X miles per dollar on other purchases abroad, and 1X miles per dollar on other domestic purchases.

This card doesn’t have foreign transaction fees, so the 1.5X miles per dollar could be useful when traveling abroad. You should still use a card such a the Chase Sapphire Preferred® Card that earns more valuable points on bonus categories such as dining and travel when abroad.

If you’re a more advanced user of miles and points, you can redeem Asia Miles for some awesome trips on Cathay Pacific and their partners.

Sam’s Club MasterCards

Synchrony Bank offers both a business and personal version of the Sam’s Club MasterCard. These cards both earn 5% cash-back on purchases at gas stations and 3% cash-back at restaurants. All other purchases earn 1% cash-back.

The 5% cash-back at gas stations is limited to your first $6,000 spent. Additionally, a maximum of $5,000 in cash-back may be earned in total per calendar year.

Sam’s Club also offers store card versions, but they cannot be used at other merchants. While the MasterCard versions can be used at any merchant that accepts MasterCard, the Sam’s Club Credit Card can only be used at Sam’s Club and Walmart.

Neither version of the Sam’s Club MasterCard has an annual fee, but they do require a Sam’s Club membership.

Synchrony Bank’s Most Popular Cards

There are many other Synchrony Bank cards, but let’s take a look at some of their most popular cards.

American Eagle Outfitters Visa

American Eagle Outfitters
Earn rewards with American Eagle Outfitters and Aerie.

American Eagle Outfitters is a retail clothing store geared toward college-aged young adults. Additionally, they launched Aerie to compete with brands such as Victoria’s Secret.

The American Eagle Outfitters Visa earns 1X Savings Point per $25 spent at American Eagle or Aerie. All other purchases earn 1X Savings Points per $100.

These points can be used towards future purchases with either brand. For example, if you have 10 Savings Points, they can be used as a $10 discount off your next purchase with American Eagle or Aerie.

Cardholders will also receive 20% off their first purchase at either store and a 20% discount coupon for their birthday.

Ashley Advantage Credit Card

The Ashley Furniture HomeStore credit card is more of a financing program than a true credit card. It can only be used at Ashely Furniture HomeStores and offers 4 different financing offers upon sign-up.

The 6- and 12-month financing plans do not require a minimum purchase, and the purchase may be made online or in-store and combined with discount offers.

The 24- and 48-month plans have minimum purchase requirements, but the purchase may still be completed online or in-store. It cannot be combined with discount offers.

The 60-month financing plan is only valid for in-store purchases and cannot be used with discount offers.

Banana Republic Visa

Banana Republic
Earn and redeem rewards for purchases at any Gap brand store thanks to the Banana Republic Visa.

Banana Republic is a clothing retailer that’s part of the Gap brand family that also includes Gap, Old Navy, Intermix, and Athleta.

The Banana Republic Visa earns 5X Reward Points per dollar on all purchases with any of the Gap brands. All other purchases earn 1X Reward points per dollar. For every 500 Reward Points, you will earn $5 to be used toward purchases at any of the Gap brands.

New cardholders will receive 20% off their first purchase at one of the Gap brands.

Cardholders who earn at least 5,000 Reward Points (not including bonuses) in a calendar year will be upgraded to the Luxe version of the card.

Luxe cardholders receive a 20% Reward Points bonus based on their spending every 3 months, bonus points shopping days, free shipping on many purchases, free basic alterations on merchandize from Banana Republic, and a “Choose Your Own Sale Day.”

Belk Store Cards

Belk offers 3 versions of their store card, but you have to reach spending thresholds to be upgraded from the basic Belk Rewards card.

The Belk Rewards card earns 1 point per dollar at Belk and allows returns without a receipt. If you spend $600 in a calendar year, you get these benefits plus special savings offers. With $1,500 in spending in a calendar year, more benefits are added including free shipping, quarterly “Pick Your Own Sales Days” that provide 20% off, and a 20% off coupon for your birthday.

Chevron and Texaco Visa Cards

The Chevron and Texaco Visa cards earn 3 cents per gallon in fuel credits on purchases with Chevron and Texaco. Additionally, you can earn 10 cents per gallon in fuel credit when you spend $300 at other merchants each month. If you spend $1,000 at other merchants in a given month, you’ll receive a discount of 20 cents per gallon.

These fuel credits must be redeemed at Chevron or Texaco gas stations.

Discount Tire Store Card

The Discount Tire/America’s Tire credit card provides a no-interest promo for your first purchase. The promotional no-interest timeframe can be 6 months, 9 months, or 12 months.

To qualify for 6 months of no interest, your purchase must be between $199 and $999.99. To qualify for 9 months of no interest, your purchase must be between $1,000 and $1,499.99. Finally, purchases of $1,500 or more qualify for a no-interest 12 months.

Lowe’s Store Cards

Lowe's Store
Get a 5% discount on all purchases at Lowe’s. Image courtesy of Lowe’s.

The Lowe’s Advantage Card provides a 5% discount on all purchases from Lowe’s. You can also choose to receive a 6-month special financing promotion if your purchase is at least $299. If your project will cost over $2,000, you will be eligible for project financing.

Additionally, Lowe’s offers 2 business credit cards through Synchrony Bank that provides the 5% discount.

American Express also provides a co-branded Lowe’s card that provides a 5% discount at Lowe’s but can be used at other merchants as well.

Rooms To Go Credit Card

The Rooms To Go credit card provides a promotional offer of interest-free financing for 60 months on qualifying purchases.

Similar to the credit card from Ashley Furniture HomeStore, the Rooms To Go credit card really only provides an option to finance purchases since the card cannot be used anywhere else.

TJ Maxx Credit Card

The TJX Rewards credit card (sometimes called the TJ Maxx credit card) is part of the MasterCard network, so it can be used at other merchants as well. There is also a store card version that can only be used at stores that are part of TJX Companies.

Both cards earn 5X points per dollar at TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post stores, while the MasterCard also earns 1X points per dollar on purchases at other merchants.

For everyone 1,000 points you earn, you will receive a $10 certificate that can be redeemed at any of the stores in the TJX family.

Toys “R” Us Credit Card

The Toys “R” Us MasterCard credit card earns 2X points per dollar on most purchases at Toys “R” Us and Babies “R” Us, and 1X points per $4 at other merchants.

You can cash in 125 points for $5 in “R” Us Reward Dollars.

Additionally, you will receive a 15% discount on your first qualifying purchase.

Walmart Credit Cards

The Walmart credit card earns 3% back on Walmart.com. Image courtesy of Walmart.

The Walmart MasterCard and the Walmart credit card each earn 3% back on purchases made on Walmart’s website, 2% back on gas station purchases with Walmart or Murphy USA (though not Murphy Express), and 1% back on other purchases across the Walmart brands.

The Walmart MasterCard can be used at other merchants, and it earns 1% back on those purchases.

Synchrony Bank Credit Cards – Getting Approved

While Synchrony Bank does not have a “Shopping Cart Trick” like Comenity Bank credit cards to make approvals much easier, they are still considered a bank that is more likely to approve applicants.

To give yourself the best chance of approval, make sure you take care of your credit score. If you pay off your credit card bill and never carry a balance, your credit score will be in much better shape.

If you’re not paying off your card completely (which you really should be!) as a general rule, make sure that you’re not within 60% of your credit limit usage at the time of statement closing. If you ignore this, you’ll be demonstrating that you’re a consumer who really needs the bulk of their limit, which is a worrying sign to the banks!

The goal is to pay off your statement every month. If you can’t, then make sure that the payment you make reduces any balance to less than 60% of your credit limit.

For example, if your credit limit is $500, make sure your closing balance (after making a payment) is less than $300. The lower, the better!

Also, keep your oldest credit card open since the length of your opened accounts is an important part of building a foundation for your credit score.

There are many reports of people being approved for Synchrony Bank store cards with credit scores in the 600s. While there are many factors for approval and this doesn’t make an approval a guarantee, it can give you an idea of what to expect with Synchrony credit cards.

If this credit score is still too much of a leap for you, consider starting with a secured credit card.

Final Thoughts

While there are clearly tons of options for credit cards from Synchrony Bank, what they have in quantity, they seriously lack in quality.

The Amazon Store Card, Sam’s Club cards, and Cathay Pacific Visa card might be useful to a small segment of the population, but there’s a reason we don’t hear about Synchrony cards as much as Chase or American Express.

When it comes to earning miles and points for travel, Synchrony Banks has almost nothing to offer. The Cathay Pacific Visa has its place, but it’s definitely not for beginners.

If you’re just starting out, stick with earning Chase Ultimate Rewards and follow our express guide for beginners to make the most of your credit card applications.


Who / What is Synchrony Bank?

Synchrony Bank is a consumer financial services company that provides over 120 credit cards and store branded cards.

What kinds of credit cards does Synchrony Bank issue?
Like Comenity Bank, Synchrony Bank issues many store cards and store credit cards. Additionally, they also issue the Cathay Pacific Visa which earns Asia Miles directly.

How do you know if a Synchrony Bank card is a store card or credit card?

A credit card from Synchrony Bank will operate on the Visa or MasterCard network as signified on the card. It can be used anywhere that accepts these payment networks. A store card will not have this designation and can only be used at the store that issues the card.

What are the best Synchrony Bank credit cards?

Some of the best cards offered by Synchrony Bank are the Cathay Pacific Visa, the Amazon Prime Store Card, and the Sam's Club MasterCards.

Does Synchrony Bank report to credit bureaus?

Yes, Synchrony Bank reports to the three main credit bureaus - Equifax, Experian, & TransUnion. This is usually done once every 30 days, corresponding with a certain point in your billing cycle.

How do I contact Synchrony Bank?

In order to reach the appropriate representative to address your concerns, Synchrony bank recommends calling the customer service phone number on the back of your specific credit card or store card, or you can call the phone number listed on your account statement.

However, if you do not yet have a Synchrony Bank card and you would like to make a general enquiry, you can contact customer service online or by phone at 1-866-419-4096.

Where is Synchrony Bank? Does Synchrony Bank have a branch?

The headquarters for Synchrony Bank is located in Stamford, Connecticut. Synchrony bank lists it's branch address as 200 Crossing Blvd, Suite 101, Bridgewater, NJ 08807.

Does Synchrony Bank have an app?

Synchrony Bank has an app called MySynchrony however, you can only use it to manage private label credit card accounts. Alternatively, many retailers will have their own app you can use to manage your store branded card account.


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Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. This company will cancel your card or lower your credit limit – even if you pay your bill on time, pay extra each payment, or pay it off every month! What’s the point of trying to build good credit, only to get punished for good behavior! 🙁

    1. This just happened to me with one of my Synchrony cards, I have several. They refuse to reopen my card because they say I had a payment returned. After investing, a mini while I’m on the phone, with two account managers later, is realized I made two payments so my bank sent one payment back. Mind you both payments were for the same exact date. The bulk was paid in full as I’ve never carried a balance on my Amazon card.
      I never even got a warning. I didn’t even know my card was canceled until I called. This happened in November. I was so able to use my card all of December, which I did in numbers, but paid it in full before the end of December. Even charged $11 this month and paid it. Yet my prime membership payment wouldn’t take. I wouldn’t have ever known they even closed my account.

  2. I experienced my Ashley account limit decreased by $900 without forewarning or understanding why. I made a practice of paying well over the amount despite hitting a rough patch due to mother suffering a massive stroke with paralysis and becoming her caretaker. Life happens, but I felt punished.

  3. I don’t know what is going on with Synchrony. I opened a Discount Tire CarCareONE account with them when I bought tire at Discount Tire. After doing so, I never heard from them again. I never received any monthly payment invoices. Nor did I receive any correspondence as to the reason why they where not being sent. I did visit Discount tire several times and called a number they provided. However, Synchrony did not address my concern. It seem as if they had forgotten me. Soon or later, I expected them to get their act straight. I work in Customer Service and know that sometimes “things happen”. To my dismay, I learned that Synchrony charged off my account to a company named Midland Credit Management who is now suing me for non payment. This situation is absurd. I was never given any opportunity to make kind of payment to them. They sold my account without giving me any chance to rectify the adverse situation that was totally caused by their negligence. I am livid. This matter has caused me great harm to my credit score. This in turn has caused me to delay sorely needed home improvements, dental and other medical procedures. Anyone out there experience the same problem??

    1. @Nancy – you’ll be able to withdraw cash from a credit card using via an ATM but I would NEVER do this. It’s called a “Cash Advance” and the interest rates and charges are unbelievably high. I would only ever consider this in an absolute emergency!

  4. Do not apply for this credit card.
    Synchrony bank does not handle transactions properly.
    You get frequent phone calls from their 800 number and they barely speak English and try to scam you for more purchases.
    When talking to their management they seem like they are on interested in your problem.

    Do not apply for this credit card for any credit cards through synchrony bank

  5. Every comment on here about this awful bank I have experienced. They charged my bank twice in 2 days on same store. They don’t help you when you are financially strapped for a temporary time. They charge outrageous late fees even when you have made payemnt arrangements bc they failed to tell that you have to make scheduled payments on your original due date. They don’t speak English very well and keep you asking same questions over and over. They will harrass you non stop calling every day at least 6 or 7 times if you are one day late. I don’t know why so many companies use them. Don’t get this card with any store or one of their sister cards.

  6. I have three different cards with them, and with all due respect, I have never had an issue. I make my payments on time and when I asked for credit increase I’ve gotten them. Unlike American Express and Discover that took it on themselves to lower my credit limit and put the account at 80% utilization.

    1. I agree. I have nine accounts with these guys. They are great. Very generous with increases. Payment processing is reasonable. No complaints.

    2. Yes, sorry but same here – I have had my Amazon Store Card account the longest – also have Discount Tire and recently got Care Credit. You can link all your accounts into one online portal and schedule and pay that way. Very simple.

    3. I totally agree! Between my husband and I we have several accounts and have never had an issue! Increases come unexpectedly, bills come in, customer service is wonderful once I got their number saved. I have to say if you have an account with any company and you know you owe them money YOU have to be proactive in contacting that company to find out how to pay. Synchrony had a website that keeps all the cards you have with them so there is no reason to say “I don’t know how to pay”!

  7. Do not even consider getting any cards whatsoever from this company! Every comment you have heard above is absolutely TRUE!! They are a horrible horrible bank to do any business with!! Save yourself the stress, aggervation and heartache and find another financial institution! I’m serious!!

  8. I have being with this bank for a while and I am very pleased. Never ever had any issues, never ever being later, no statement issues, no customer service issues,never asked for credit increased those came at their will. I will be around them for a much longer time to come.

  9. I also have a few cards from synchrony bank , make up to 4 times the minimum payments every month, never late, but was short on payment for a couple days and they took $2500 off my credit limit. Not happy because I had paid at least 4 times the minimum the month before. A lot of my payments will carry over into the next month. I’ll look to see what I owe and it’ll say $0 balance due, but still pay! They said I had too many cards with high balances. But I pay them every month, sometimes weekly.

  10. I had a family issue, and had a drop in my overall credit score due to late and a non payment on a different company credit card. Within the month, Synchrony dropped my QVC card limit from 2000 to 100, plus dropped my 2 other cards to the limit I already was at, reducing over 3000 of my credit – leaving me with absolutely no credit with them except what was owed (even though I pay Synchrony early and double the minimum). The problem on my credit was with Discover and had nothing to do with Synchrony. Due to family issues I had to choose who to pay, I chose to pay Synchrony because I had more cards with them and used their cards more and Discover card APR was much higher and had previous issues with Discover. So I trusted Synchrony more. Big mistake, they screwed me over and ruined my credit by destroying my balance to credit ratio lowering my credit by over 130pts! Absolutely Ridiculous!

  11. Synchrony Bank stinks! They lie to the credit bureau on your account status, and close your accounts immediately once you pay off your balance. No chance of establishing credit with this company. Don’t waste your time!

  12. I am so disappointed with this bank. I have paid all my cards on time and they still closed some of my accounts and dropped the credit amount. I have never been late. I don’t understand how they operate. I opened a Lowes account to do some work on my home and unexpectedly they closed the account, before I could get the work done. I am so disappointed.

  13. I had three Synchrony Bank credit cards: JC Penny, Rooms To Go and Ashley Furniture. I never ever paid them late and always paid them before the payment due dates. I had zero interest for 48 months with Rooms To Go (limit $8,000) and Zero interest for 24 months with Ashley Furniture (limit $6000). I was never anywhere close to the limits being they used to increase my limits for years with JC Penny which was $5000. I never even went over $500 spending with JC Penny after being with them for over 10 years because I prefer Macy’s. I paid Rooms To Go off early in 24 months and Ashley Furniture off early in 10 months this year. I always paid JC Penny off at the end of every month and sometimes it went for months without being used and a zero balance for months. Fast Forward: They closed all my accounts right after I paid them all off this year right away due to them pulling my credit scores. They said even though I never had any problems with their credit cards I was now a risk to them. NEXT…..My credit score went down by 100 points due to them closing all of my accounts after I paid them all off and never had a late payment on my credit report for them. It shows closed by creditor on my credit report. My credit score only dropped because I was sick for 3 months and got behind on 2 loans. I busted my butt to always pay Synchrony and they screwed me over big time. No worries when my credit score goes back to being over 700 again. I will never ever open any accounts with this company, they punish you for doing the right thing and I hate this company!

  14. I have a perfect pay history and have many Synchrony cards since 2015. I have never been late, always pay weeks before due and many times 3 – 4xs my minimum payment or pay off. Just recently I had a derogatory remark made on my credit bureau for a hospital bill of $249. I am fighting with the hospital and my insurance on this. I know I should have just shut my mouth and paid it. Well, I just paid off JC Penney and they closed my account due to that negative remark on my account. That should not have anything to do with my history with JC Penney. I am not dealing with them anymore. I have lost all respect for a company, that sees me as a risk even though it is only a $249 hospital bill.

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