Posted by William Charles on October 26, 2016
Credit Cards

Published on October 26th, 2016 | by William Charles

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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.

 



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Beth
Beth

Stein Mart Style Card from Synchrony:. Mastercard -earns 1 point per $1 everywhere A certificate for $10 off is issued after 1000 points. Ten times during the year a promotion will make any purchase at the store with the card give an extra 10% off which stacks with store coupons and sales. No annual fee.

DrRyan_L
DrRyan_L

Wanted to add a data point that when I was given the Walmart card and the sam’s card a few years ago in store that it was not a hard pull. Wasn’t sure what the latest data on that was or if anyone wanted to know.

Sarah Seagle
Sarah Seagle

As of April 7, 2017 Walmart still does a soft pull.. I started to fill out the app but decided against it and inside of a couple weeks I was sent a prequalify invite from Walmart….

Joe
Joe

Anyone have an update on the Walmart store card? I just got a prequalified invitation in the mail today. I’ve been considering getting this card for a while but am trying to keep the number of my hard inquiries low so as not to adversely impact my chances with certain issuers that don’t like a large number of recent inquiries. Is this still a soft pull and which credit bureau does Synchrony use for Walmart cards?

Aja
Aja

Joe, Synchrony uses Transunion for Wal-Mart. I would get the card. I have two Wal-Mart credit cards. One is the Wal-Mart Mastercard and the other is the Wal-Mart store card. Many people don’t know that you can have more than one account with Wal-Mart. Once you get the card, keep your utilization below 30 percent for the first 6 – 9 months and they will upgrade the store card to a Mastercard. My Wal-Mart store card should be upgraded to a Mastercard any time now. The key to get the upgrade is to purchase every month. I did not know that I had been upgraded to the Wal-Mart Mastercard. One day I logged in to pay my bill. I decided to click on the offers tab thinking they had some type of special promotion. I immediately saw “Congratulations! You’ve been upgraded to the Wal-Mart Mastercard so if you get the store card always check the offers tab starting 6 months after you’ve had the card. I got my TJ Maxx Mastercard the same exact way. It started as a store card. They mail the Mastercards out in a batch so you don’t get it within 7 – 10 business days if they are upgrading you. It took me over a month to get my Wal-Mart Mastercard. Warning about Synchrony Bank. If you go a long time without using one of their cards they will drastically reduce your credit limit. They reduced my Belk credit card from a $5,000 limit to $1024.00 and they reduced my JC Penney and Steinmart limits for non-usage. It won’t hurt you with Synchrony. They just sent me a Paypal Mastercard and 3 other cards.

Lyn E
Lyn E

Just had the same thing happen with my Dick’s sporting Goods card. Haven’t used it for a year or so and they reduced the line from $3500 to $1024.00. That helped me to make the decision to close the account since I wasn’t using it anyway.

Steven
Steven

I had the same thing happen but it hurt my credit. I had the Walmart store card for 6 years, they “upgraded” me to the Walmart MC but it counts as a brand new card. So my store card was closed and I got a card that hurt my AAoA by starting over. Tried to get them to reverse it but they wouldn’t.

Louis
Louis

No its a hard pull

Ric
Ric

Got the Amazon Prime store card 2 years go and love it, my go-to for Amazon purchases. Can’t beat unlimited 5% cashback or up to 24 months financing.

Bambie
Bambie

That’s good to know, was considering a Amazon store card. Read some reviews regarding payment issues, have you had any problems submitting your payments?

Andee
Andee

No problem with my payments on my Amazon store card BUT you must make the payment at least 2-3 days before the due date for it to credit on time. The fine print tells you this up front.

Joe
Joe

Also be careful to use the right website. The link directly via Amazon has been reported to have had problems in the past, such as with crediting payments in timely fashion. I’ve used http://www.syncbank.com/amazon since getting my card in November and never had an issue.

Carol Ann Kent
Carol Ann Kent

Synchrony Bank will and has added late charges when the payment is made on time. They add the late charge on the minimum payment and demand that the total payment and late charge be paid. If asked to remove the erroneous late charge, they do it ONLY on the balance and still demand the late charge payments stating its a Federal Law instead of removing it from the bill. As far as I’m concerned, this is fraudulent as they do not remove the charges from the bill, but only on the total balance. If you make early or extra payments, as in between payments after making the payment of minimum due, a late charge is applied to the early or extra payment and you end up paying double and the balance goes up. it seems to be a rigged system if you want to have a credit balance.

wan1428
wan1428

What you’ve said make absolutely no sense…not saying it didn’t happen to you. I màke several payments on my credit cards throughout the month on a regular basis & I’ve never heard of any credit card chagring late or additional fees in that manner. I have several Synchrony Bank credit cards know others thàt do & have never heard of anyone experiencing this problem. I would close my account if I was you ASAP!

Rad
Rad

Applied for the Sam’s card and got rejected – I think because the last time I applied my score was about 200 points lower than it is now. The rejection letter lists the old score, even though I got a hit on my report suggesting that they pulled the new one. Any idea what number I should call to get reconsidered?

rose a mercado
rose a mercado

I think if you wait long enough that you fico score is about 600 you should be able to get approved.

ANTHONY CHIPOLETTI

Thanks for your help. Giant Eagle FuelPerks credit card pays 14 cents per gallon of gas for every $50 spent in the store. Also they offer many other weekly gas rewards with the Advantage Card, such 20 cents per gallon off for a $20 purchase of certain brand name items. Gift cards from many other stores can be bought a Giant Eagle with added gas rewards. Currently the gas sells for about $2.34 so it is possible to get up to 30 gallons per month completely free. The rewards carry over for a few months, however they also expire after a few months so it is wise to check online or on the receipt for expiration dates.

Ell
Ell

EBay credit card
Toys rus

Alex Coulson
Alex Coulson

Old Navy Store and Visa

Evelyn

I had a old navy credit card when I paid the balance off, my account was closed. Don’t understand wasn’t late on payments. Maybe it was for the best.

Sean Armstrong
Sean Armstrong

You always want to keep a credit card with some use on the credit report. It looks better and shows you can handle multiple accounts.

Susan Griffie
Susan Griffie

If you don’t use your card in a year, they close it.

Len Page
Len Page

January 6, 2016 FYI: Amazon Store Card now does a “Hard Pull” I live in Mass pulled Transunion.

By the way, great site and information!

Thanks,

Len

Sophorn
Sophorn

I like to know if my newegg (synchrony) store credit card works anywhere then just newegg site, if so can I get a listing of them please?

mommbie
mommbie

I found that with some of the above listed accounts if you apply “in store” rather than “online” you will get approved.

Abey
Abey

Hey! Maybe add this post to this thread and make it clickable at the bottom.

https://www.doctorofcredit.com/15-things-everybody-should-know-about-american-express/

bY
bY

Cathay Pacific Visa

Lynda Farley
Lynda Farley

I got the Old Navy Account and the limit $300.00. I only charged a few items and paid them off. Snchrony Bank. They closed my account on purpose & I think that’s supposed to look good on my credit report

Austin
Austin

No. It will negatively impacted your total available credit and credit utilization.

MM
MM

Any recent DPs on what credit bureau they’ll pull? I know the post says TU, but ust wanting to verify/make sure my otherwise hammered EX doesn’t take any more hits.

Steven
Steven

I have 4 cards from Synchrony, Walmart, PayPal MasterCard, JC Penny and Mattress Firm. Got them over a 6 year period and they have always pulled from Experian for me. I live in Wisconsin, maybe that has something to do with it. None of my bureaus are frozen so that’s irrelevant.

MM
MM

Thx for the info, Steven. I’ve been sidetracked with other CCs at the moment, but I definitely think I’ll be getting in on a few of these eventually. Fingers crossed it’s not Experian:) Cheers!

Matt

Here’s another one at Goedekers.com. Here’s the link: https://www.goedekers.com/ge-customer-appliance-financing.html

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