Synchrony Bank’s Credit Card Alternatives

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Compare Synchrony Bank Credit Cards with Other Offers

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!
Unfortunately, we do not currently offer online application for
Featured Alternative to Synchrony Bank Cards:
for Average, Fair, Limited Credit
Capital One® QuicksilverOne® Cash Rewards Credit Card
Earn unlimited 1.5% cash back on every purchase, every day
See Other Cards
Compare Synchrony Bank Cards with the Other Offers
Card Type
Intro APR on Purchases
Regular APR
Annual Fee
Application Processing Fee
Synchrony Bank Cards:
Featured Alternatives to Synchrony Bank Cards:
Good, Excellent Credit
Average, Fair, Limited Credit
No Credit Needed
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
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we do not currently offer
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0% (12 months)
0% intro on purchases for 9 months
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11.24% – 23.24% Variable
23.24% (Variable)
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25.24%9
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13.24%-21.99%9
22.99%9
26.99%9
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26.99%9
26.99%9
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24.24%9
25.74%9
29.99%9
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26.999
26.99%9
26.99%9
29.99%9
15.15% - 23.15%9
15.15% or 23.15%9
21.90%9
23.15%9
29.99%9
23.15%9
17.15% - 23.15%9
27.24%9
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$0
$39
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None
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$09
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$09
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None9
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Other Alternatives to Synchrony Bank Cards:

Credit One Bank® Visa® - No Deposit Required
Compare

Expert Rating:

Card Details
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
  • Email or text alerts to remind you when your payment is due
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeReporting Credit Bureaus
N/A15.65% - 24.15% Variable$0 - $99See termsYes
Fingerhut Credit Account
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Expert Rating:

Card Details
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
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  • Get the Credit You Deserve*.
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  • *SEE Fingerhut.com Site for Terms & Conditions.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeReporting Credit Bureaus
n/a25.15%$0See TermsYes
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.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APRAnnual FeeApplication Processing Fee
N/AN/A23.9%$35 - $99*See Terms
Credit One® Credit Card with 1% Cash Back
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Expert Rating:

Card Details
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeReporting Credit Bureaus
N/A15.65% - 24.15% Variable$0 - $99See termsYes
Fair / Good Credit
Gettington Credit
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Expert Rating:

Card Details
  • Easy Monthly Payments.
  • 20-50% MSRP*.
  • Brands you love featuring closeouts and overstock.
  • New deals added weekly.
  • No annual account fee.
  • *See site for details.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APRAnnual FeeApplication Processing Fee
n/an/a25.15%$0See Terms
Barclaycard CashForward™ World MasterCard®
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Expert Rating:

Card Details
  • Get a $100 cash rewards bonus after you spend $500 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 your bank 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
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 14.99%, 19.99% or 24.99%, 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 APRAnnual FeeApplication Processing Fee
n/a0% (15 months (on balance transfers made within 45 days of account opening))14.99%, 19.99% or 24.99%* Variable$0See terms

9 The card´s rates, fees and other terms are subject to change. Therefore, we do not guarantee that information presented on this page is current and up to date. Please, visit the bank´s or credit card company´s website to review the current Terms & Conditions.

See Also Credit Card Applications from Other Banks:

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.