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

Synchrony Bank

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. 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.

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

Walmart
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.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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