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Synchrony Bank Credit Cards for 2021 (Full List)
If you currently have a store credit card or have thought about getting one, there’s a good chance that it’s from Synchrony Bank. With more than 85 years of experience in the financial services industry, Synchronize partners with well-known retail brands across the country.
The company has over 80 million customer accounts, demonstrating just how far-reaching its credit cards are. So if there’s a chain store you shop at, chances it offers a credit card. And if that’s the case, there’s a pretty big chance that Synchrony runs the show.
Unlike some other store cards, Synchrony cards do perform a credit check in most cases. But in general, lending guidelines are less strict for a retail card than a traditional credit card. So even if you have less than perfect credit, you still have a shot at getting approved.
If the terms and conditions align with your financial goals and abilities, then a Synchrony credit card could be a great fit for you. But before you make up your mind, find out everything you need to know about Synchrony Bank store credit cards.
Which credit cards are offered by Synchrony Bank?
Synchrony offers countless credit cards for national stores in just about every type of category. To get an idea of which you might be interested in, check out this comprehensive list.
You’ll find tons of specialty stores, as well as some surprising major retailers. In addition, some of the best credit cards have 0% interest rates for up to 18 months. In total, there are nearly 200 credit cards issued by Synchrony. Some are backed by Visa or MasterCard and can be used anywhere, while others may only be used in the actual store.
Full List of Synchrony Bank Credit Cards
Automobile Credit Cards from Synchrony Bank
In addition to retail store cards, Synchrony Bank also offers credit cards for a few specific automobile companies. Unfortunately, you can’t apply online but must instead visit a brick-and-mortar location to get one of these credit cards.
This type of credit card can help you finance purchases such as motorcycles, ATVs, PWCs, and snowmobiles. You can currently get a credit card with Yamaha, Polaris, KTM, Suzuki, Kymco, and Kawasaki.
What are the benefits of getting a credit card from Synchrony Bank?
Whether you choose a rewards card that you can use anywhere or a store-specific credit card, you can benefit in multiple ways by getting a credit card from Synchrony. First and foremost, you get to take advantage of the benefits and rewards programs.
Maybe you earn rebates to be used at your favorite store, maybe you get a discount on qualifying purchases, or maybe you get to rake in cash back offers.
Whatever the reason, many people prefer to have a diverse range of credit cards in their wallets to ensure they have access to the best opportunities of the moment.
If you tend to shop a lot, you could potentially get some major use out of these credit cards. But they can also be helpful in repairing poor credit when used correctly.
If you’ve been hit by derogatory items resulting in a low credit score, it can be hard to get a credit card, even as you pay down debt and turn things around.
Although Synchrony usually performs a credit check, store cards rarely have lending guidelines as strict as a normal credit card. It’s a great option to start building your credit, whether you’re starting over or just beginning.
What happens if a Synchrony Bank credit card store closes?
With online shopping changing the retail market completely, it’s no surprise that many brick-and-mortar stores are facing major challenges. So what happens if you have a store card from Synchrony and the store closes?
Don’t worry; the credit card account will convert to another type of card in most cases. Synchrony will contact you if this happens to give you specific details on what to expect.
When Toys R Us went out of business, for example, cardholders were given a Synchrony MasterCard. The program came with a 2% cash back rewards program and no annual fee. So even if a store hits financial trouble, your credit card account will only be mildly impacted.
What are the best Synchrony Bank credit cards?
Some of Synchrony’s credit cards come with better financial benefits than others. But, of course, the real measure is whether you actually shop at a specific store and how the related perks can actually help you.
There’s no sense in getting a credit card you won’t use (or worse, use without real reason), so take this list with a grain of salt. Still, there are some major differences in what each credit card offers.
To try and help the broadest range of consumers, we’ve pulled together the Synchrony credit cards with the best overall benefits.
Start looking at these, and then follow up with research on other Synchrony Bank credit cards that specifically interest you.
Amazon Store Card
As one of the most popular retailers amongst both online and physical stores, the Amazon store card provides members with plenty of attractive benefits.
When you apply online, you can get approved in as quickly as 15 seconds. Once you are approved, a $100 Amazon Gift Card will instantly be loaded into your Amazon account.
If you join Amazon Prime along with getting the store card, you’ll also receive 5% cashback on all of your Amazon purchases. So if you’re a big online shopper for everyday items on top of gifts throughout the year, then there’s a lot of opportunities to save.
Another interesting offer through the Amazon Prime store card is the chance to use promotional financing instead of getting cash back.
If you select this option, you can get interest-free financing anywhere between 6 and 24 months, depending on the purchase price. For the 6-month period, the purchase must be at least $149, and for a 12-month repayment period, you must spend at least $599.
The catch here is that you must repay the entire balance within that timeline to avoid paying interest. If the promotional period ends and you haven’t repaid the full balance, then you’ll be charged all of the interest that would have accrued since the actual purchase date.
You also have to make all of your payments each month. But as long as you follow these rules, this can be an affordable way to spread out payments on an expensive purchase. In addition, the Amazon store card offers plenty of perks, no matter what kind you’re looking for.
Sam’s Club MasterCard
Though issued through Sam’s Club, this credit card is actually a MasterCard that you can use anywhere. Accordingly, you get a rewards program that is more robust than just a store card. In addition, they frequently have time-sensitive offers for getting approved.
For example, a recent promotion offers a $45 statement credit when you spend $100 on the first day you open your credit card account. You can also get 5% cash back on just about any gas purchase throughout the country for the first $6,000 you spend. After you reach that limit, you still get 1% back.
On top of that, you get 3% cash back on travel and dining out and 1% back on other purchases made with your Sam’s Club MasterCard.
So even if you’re not a Sam’s Club member, there are plenty of unrelated benefits that you can take advantage of. Just like other Synchrony Bank cards, you can easily open and manage your account online.
Should you get a Synchrony credit card?
Before applying to one or more Synchrony cards, think about why you want another credit card. It’s important to know that most stores associated with Synchrony perform a hard pull on your credit report.
You could still potentially get approved. However, if you apply to several at once, all of those inquiries will show up on your credit report. That’s true for everyone, but it can look more alarming to creditors when it’s someone with bad credit compared to someone with stronger credit.
If you want to take advantage of a specific store’s savings, then the right Synchrony card could work for you. But, again, be cognizant of how many applications you make in a year. Each separate inquiry on your credit report slightly drops your credit score for 12 months and remains on there for another 12.
Start by picking one or two store cards that give the most bang for your buck. If you’d like, you can then add more as time goes by and those inquiries drop off your report.
Improving Your Credit Score
As long as you’re not paying an annual fee, keep the credit card open as long as you can, even if you don’t have a balance. Part of your credit score relies on the age of your accounts, so the longer you have your credit cards, the better your credit score will be.
That’s another argument for opening up more than one account at the same time since continually opening a new credit card will lower your overall age of accounts.
It’s a complicated dance when it comes to maintaining or building your credit, so do your best to think about the next year or two and what your credit goals are.
A Synchrony Bank credit card can help you build your credit over time. But, no matter what kind of credit card you have, remember to use it responsibly. Avoid store cards if you think you’ll be tempted to spend more than you can afford.
Luckily, your credit line will start off small. Over time, you’ll likely see an increase as you use your card responsibly. If you continue to do so, you’ll keep getting rewards, benefits, and a better credit score. At that point, it’s a win-win situation all around.
- Today, we offer the Synchrony Premier World Mastercard, with 2% cash back and no annual fee,* subject to credit approval. The Synchrony Plus World Mastercard and the Synchrony Preferred Mastercard are currently offered by invitation only. *For new accounts the …
Contact UsИсточник: https://heavy.com/news/2019/11/synchrony-bank-amazon-credit-builder-email/
Synchrony Bank says an email about Amazon Credit Builder accounts was sent to some customers in error as a result of a “glitch.” The emails, which told the customers that a trial deposit had been made into their Amazon Credit Builder accounts, sparked concerns about fraud. Synchrony Bank and Amazon have assured customers that while the email was not supposed to be sent, it did come from the bank and was not a phishing attempt or a hack or a scam, as some believed.
“We are aware of an unplanned customer notification that is affecting some consumers & are investigating the issue. We apologize for any confusion & concerns this may have caused. You do not need to take any further action at this time,” Synchrony said in a Twitter message to customers.
An email from Synchrony Bank about Amazon Credit Builder was sent in error.
Amazon directed customers to contact the bank for more information and said, “Thank you for bringing this to our attention! We’ve been informed the e-mail you’ve received has been sent in error from our business partner, Synchrony Bank. Please disregard the e-mail.”
Other users said on Reddit that they received multiple emails from Synchrony Bank, with the first email being about a trial deposit, followed by a second email about the same thing and a third email titled “action is required on my application.”
The First Email Did Not Ask Recipients to Take Any Action
The email sent by Synchrony Bank had the subject, “A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER.”
It was received Monday morning, November 25, by users around the United States, according to social media posts.
The email body reads, “Note: This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER account. Synchrony Bank is located at 170 Election Road, Suite 125, Draper Utah, 84020, USA.”
It continued, “This is an unmonitored email box. Please do not reply to this email.”
The email also included a message warning about fraud and identity theft. It read, “Head off identity theft before it happens. FOr more information about identity theft, please visit the Federal Trade Commission’s (FTC) consumer website.” The email also included a link to the FTC website, which appears to be legitimate.
The Email Was Sent by a Legitimate Synchrony Bank Email Account
The email was sent from a legitimate Synchrony Bank account, [email protected], but it is not clear which customers received the concerning message. It did not appear to be an effort by a bad actor to phish those receiving the email. There were no apparent dangerous links in the email.
Many social media users said they do not have an Amazon Credit Builder account or are not aware of having an account with Synchrony Bank. But others have pointed out that Synchrony Bank issues cards for stores and other businesses, such as Sam’s Club, so customers may not be aware they have a credit card operated by the bank.
Security experts still recommend ignoring the email and not clicking any links inside of it as a precaution.
Synchrony Bank Said ‘the Email Did Not Include Any Customer Data or Personal Information’
In a statement posted to its website, Synchrony Bank said, “Synchrony distributed a notification via email or text message in error to some consumers. The email did not include any customer data or personal information. We are currently investigating the root cause. We apologize for any confusion; you do not need to take any action at this time.”
Amazon said in a statement, “Amazon is aware of a notification that was distributed by Synchrony in error to some customers. They are investigating the root cause. Additional inquiries can be sent to Synchrony.”
Synchrony Bank and Amazon teamed up in June 2019 to launch the Amazon Credit Builder cards, according to Nerd Wallet.
According to the Amazon website:
A secured credit card is designed for people who are looking to build or rebuild their credit and is backed by a refundable security deposit made when the account is opened. The deposit is equal to the credit limit. The Amazon.com Store Card Credit Builder and Amazon Prime Store Card Credit Builder are secured versions of the Amazon.com Store Card and Amazon Prime Store Card respectively. The Amazon Credit Builder functions and looks like the Amazon Store Card, with the exception that the credit line on the Amazon Credit Builder card will equal the amount of the refundable security deposit that you must maintain with Synchrony Bank. Continued and responsible use of the secured Amazon Credit Builder can help you build your credit history.
As an Amazon Credit Builder cardholder, you will enjoy the same benefits as you would on the Amazon Store Card (promotional financing for cardholders without an eligible Prime membership, and promotional financing or 5% back every day for cardholders with an eligible Prime membership). Learn more about upgrading to the unsecured Amazon Store Card.
“Credit Builder enables those on a controlled budget to shop on Amazon.com while building credit with responsible use,” Tom Quindlen, executive vice president and CEO of retail cards at Synchrony Financial, told Nerd Wallet.
Amazon adds, “Synchrony Bank will report to the major credit bureaus whether you make at least the minimum payment due on time every month. Building a history of on-time payments can help build your credit. … Unlike a debit card or a prepaid card, a secured credit card is an actual credit card. You need to make monthly payments on your balance (ideally the full balance, but at least the minimum payment due each month) by the payment due date. Synchrony Bank reports your credit activity to the major credit bureaus-providing the opportunity to build your credit, with responsible use.”
READ NEXT: College Student Strangled to Death in Her Car on CampusSynchrony …Источник: https://loginwiz.com/syncbank-com-amazon-store-card-login/
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Synchrony Bank is an award-winning online bank offering a variety of products including high yield savings accounts, certificates of deposit and money markets.
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