Synchrony Bank’s Credit Card Alternatives

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Credit Card Applications » Synchrony Bank

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Synchrony Bank

Founded in 2014 as a spinoff of GE Capital Retail Bank, Synchrony Financial is a retail finance company that specializes in issuing of a variety of different retail store credit cards. Synchrony Financial had the largest Initial Public Offering of 2014 raising over $2.8 billion dollars. In addition to store cards, Synchrony Bank also offers the OptimizerPlus card and several private label credit card options.

Unfortunately, we do not currently offer any online applications for this bank.
However, our experts have matched very similar credit card offers which might be just as good or better available from other banks!
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Featured Alternative to Synchrony Bank Cards:
for Excellent, Good Credit
Discover it® - Cashback Match™
You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
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Compare Synchrony Bank Cards with the Other Offers
Card Type
Intro APR on Purchases
Regular APR
Annual Fee
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Synchrony Bank Cards:
Featured Alternatives to Synchrony Bank Cards:
Excellent, Good Credit
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Excellent / Good Credit
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Excellent / Good Credit
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Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Good Credit
Excellent / Good Credit
Excellent / Good Credit
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Discover it® Miles Capital One® Platinum Credit Card Discover it® - Cashback Match™
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we do not currently offer
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Other Alternatives to Synchrony Bank Cards:

WebBank/Fingerhut Credit Account
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Expert Rating:

Card Details
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
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  • Instant Response (Delays may occur depending on application data provided).
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  • Choose From Over 450,000 items.
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Summary of Card Features:
Intro APR
on Purch..
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
n/a See Terms $0 See Terms Yes
See card details
Credit One Bank® Platinum Visa® for Building Credit
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Expert Rating:

Card Details
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Summary of Card Features:
Intro APR
on Purch..
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
N/A 16.99% - 24.99% Variable $0 - $99 See terms Yes
See card details
Barclaycard CashForward™ World Mastercard®
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Expert Rating:

Card Details
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Application Processing Fee
0% (15 months) 0% (15 months (on balance transfers made within 45 days of account opening)) 15.99%, 20.99% or 25.99% Variable $0 See terms
See card details
Milestone® MasterCard® with Free Choice of Card Image
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Expert Rating:

Card Details
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Application Processing Fee
N/A N/A 23.9% $35 - $99* See Terms
See card details
Citi Simplicity® Card - No Late Fees Ever
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Expert Rating:

Card Details
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Application Processing Fee
0%* intro on purchases (21 months on Purchases*) 0%* (21 months on Balance Transfers*) 14.49% - 24.49% (Variable) $0* See terms
See card details
Credit One Bank® Platinum Credit Card with Rewards
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Expert Rating:

Card Details
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
Summary of Card Features:
Intro APR
on Purch..
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
N/A 16.99% - 24.99% Variable $0 - $99 See terms Yes
See card details

OptimizerPlus Credit Card with Different Reward Tiers

Synchrony Bank’s private label credit cards are simply store credit cards with upgraded financing features. A store credit card, unlike traditional credit cards, is usually applied for in a store and is processed through the bank that issues the card. Store credit cards are made to be used only for purchases at the store the card is from or on that retailer’s website. In some cases, certain stores may have multiple affiliated businesses that the store card can be used at. Private label credit cards are literally the same thing but they come with special financing options such as "no interest if paid in full" offers.

The OptimizerPlus card comes with several perks and benefits and the ability to receive OptimizerPlus rewards. The OptimizerPlus card rewards cardholders for not only the balance you keep on your account, but also the amount of time that you have been a customer. Depending on your balance level or the length of time you’ve had your card, you are placed in a different reward tier. Once you have either spent $10,000 in total or have been a member for over a year, you become a silver member and begin receiving rewards.

Silver members receive hotel discounts along with free identity theft resolution services along with five dollars in ATM reimbursements each statement cycle. In addition to the silver status there is also gold, platinum and diamond. To be a diamond member, you have to have your card for at least five years or spend at least $250,000. Diamond members receive exclusive access to free wire transfers, VIP events, and a special customer service number. If the OptimizerPlus card doesn’t seem to interest you and you don’t like any of the private label Synchrony credit cards, then you should check out these alternative cards while you’re here.