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.
Contents
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.
- American Eagle Outfitters Visa
- Athleta Visa
- Banana Republic Visa
- BP Visa
- Cathay Pacific
- CheapOair & OneTravel
- Chevron and Texaco Visa
- Ebates Visa Credit Card
- GAP Visa Credit Card
- Marvel Mastercard
- Nissan Visa
- Old Navy
- Paypal & eBay Mastercard
- Sam’s Club Personal Visa
- Sam’s Club Business Visa
- ScoreCard Store Card (Golf Galaxy, Dick’s Sporting Goods, Field & Stream)
- Stein Mart MasterCard
- Toys R Us
- TJX Mastercard
- Walmart Personal Mastercar
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.
- ABC Warehouse
- ABT
- Amazon Store Card
- American Eagle Outfitters Store Card
- American Signature Furniture Store Card
- America’s Tire Store Card
- Ariens and Gravely Get the Gear Card
- Ashley Furniture Home Store
- Art Van
- Athleta Store Card
- Banana Republic Store Card
- Bargain Outlet
- Belk Store Card
- Bernina
- Big Sandy Superstore
- Bjorn’s
- Bomgaars Store Card
- Blain’s Farm & Fleet
- CareCredit
- Carpet One
- CarCareONE Store Card
- CheapOair & OneTravel
- Chevron And Texaco: Techron Advantage Premium Card (our review here)
- Chevron And Texaco: Techron Advantage Card
- City Furniture
- Conoco Store Card
- Discount Tire Store Card
- Dream Bed
- Drexel Heritage
- DX Engineering
- Electronics Express
- Ethan Allen Store Card
- Evine Line Store Card
- eXmark
- Flooring America
- Freedom To Ride
- GAP Store Card
- Golfsmith Store Card
- Guitar Center Store Card
- Havertys Store Card
- HH Gregg Store Card
- Hudson’s Furniture
- Husqvarna
- Hyde Park Jewelers Precious Store Card
- JCPenney
- Jewelery Exchange Store Card
- Kauffman Tire
- Kraft Music
- La-Z Boy
- Lenscrafters
- Levin Furniture
- Lowe’s Store Card
- Lumber Liquidators
- Maaco
- Massey Ferguson
- Mattress Firm
- Mccoys
- Meineke
- Metro Mattress
- Midas Store Card
- Mohawk Flooring
- Moris Home Furnishings
- Musician’s Friend
- Napa EasyPay Store Card
- Nautilus
- Newegg
- Old Navy
- Olejo
- P.C. Richard & Son
- Regency Furniture Showroom
- Sam Ash
- Sam’s Club Store Card
- ScoreCard Store Card (Golf Galaxy, Dick’s Sporting Goods, Field & Stream)
- Sewing & More
- Shaw Floors
- Sheely’s Furniture
- Sleep Experts
- Sleep Number
- Sleep Train Mattress Centers
- Sleepy’s
- Specialized
- Stein Mart
- Summit Racing Equipment Speedcard
- Sutherlands
- System Pavers
- Sweetwater
- Thomasville
- Tire Pros
- TJX Store Card
- Toro
- Toys R Us
- Walmart Store Card
- Walmart Business Store Card
- Westrich Furniture & Appliances
- Value City Furniture
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:
- Amazon Store card. The Amazon store card actually earns at a higher rate (5% on all Amazon purchases) than the Amazon credit card. 5% is as high as any credit card, but cards with rotating categories (e.g Discover it or Chase Freedom) might be better options due to the fact that the Freedom earns Chase Ultimate Rewards points and the Discover it has it’s cash back doubled in the first year. Read our full review here.
- Sam’s Club cards. These earn an impressive 5% on gas station purchases and 3% on dining and travel. If you already have a Sam’s Club membership then there is no annual fee and 5% is basically as good as it gets for gas station purchases. You can read our full review here.
- eBates card. This card earns 3% cash back on purchases made through the Ebates shopping portal. This is obviously better than the standard 2% cash back card the best cards offer on all purchases. The only problem with this is that Topcashback and other shopping portals usually offer better rates than eBates. You can read our full review here.
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
- Not possible to know whether it’ll be a soft/hard pull before requesting a credit limit increase.
- They will pull TransUnion unless that is frozen and in that case it’ll be Experian.
- They are sensitive to new accounts, but not inquiries.
- They do not combine inquiries
- They do not match bonuses.
- They do not allow you to get a second card of the same type.
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.
