Synchrony Bank’s Credit Card Alternatives

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Synchrony Bank

Compare Synchrony Bank Credit Cards with Other Offers

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 Excellent, Good Credit
Discover it® - Cashback Match™
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
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:
Excellent, Good Credit
Excellent, Good Credit
Average, Fair, Limited 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
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
Excellent / Good Credit
Excellent / Good Credit
Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
Discover it® Miles Capital One® Savor® Cash Rewards Credit Card Capital One® Platinum Credit Card The Discount Tire credit card Belk Rewards Credit Card JCPenney Credit Card The Lord & Taylor Card Amazon.com Store Card The TJX Rewards® Credit Card The TJX Rewards® Platinum MasterCard® Old Navy Card The Toys R Us Credit Card Old Navy Visa Card The Toys R Us MasterCard Walmart® Credit Card Walmart® MasterCard® hhgregg Credit Card AEO Credit Card AEO Visa® Card Banana Republic Visa® Card BananaCard The Ashley Advantage™ Card Sam's Club® MasterCard® Sam's Club® Business Credit Card Sam's Club® Business MasterCard® Sam´s Club® Credit Card Rooms To Go Credit Card QVC QCard® P.C. Richard & Son Credit Card Havertys Credit Card Gap Credit Card Gap Visa Card Dick's Sporting Goods Credit Card Dick's Sporting Goods MasterCard Stash Hotel Rewards® Visa® Card Lowe´s Advantage Card
Discover it® Miles Capital One® Savor® Cash Rewards Credit Card Capital One® Platinum Credit Card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
0% (14 months)
0% intro on purchases for 15 months
N/A
0% (6, 9 or 12 months)9
n/a9
N/A9
n/a9
N/A9
N/A9
n/a9
n/a9
N/A9
n/a9
n/a9
N/A9
See terms
n/a9
n/a9
n/a9
n/a9
n/a9
n/a9
N/A9
n/a9
n/a9
n/a9
n/a9
n/a9
n/a9
See terms
N/A9
n/a9
N/A9
n/a9
See terms
n/a9
13.49% - 24.49% Variable
15.99% - 24.74% (Variable)
24.99% (Variable)
26.99%9
25.49%9
26.99%9
25.74%9
27.24%9
28.49%9
28.24%9
26.24%9
26.99%9
26.49%9
26.99%9
24.15%9
17.90% - 23.90%9
29.99%9
25.24%9
24.24%9
25.24%9
25.24%9
29.99%9
16.15% - 24.15%9
24.15%9
16.15% - 24.15%9
23.15%9
29.99%9
26.24%9
26.999
See terms
26.49%9
25.24%9
23.749
n/a9
16.99%9
26.99%9
$0
$0
$0
n/a9
n/a9
N/A9
$09
$0 (Prime membership plans start at $12.99/month)9
$09
$09
n/a9
$09
n/a9
$09
N/A9
See terms
n/a9
See terms
See terms
See terms
See terms
$09
$09
$09
$09
$09
See terms
See terms
$09
See terms
N/A9
n/a9
See terms
n/a9
$0 introductory fee for one year. After that, your fee will be $85.9
n/a9
See terms
See terms
See terms
$09
n/a9
N/A9
See terms
N/A9
N/A9
See terms
See terms
See terms
See terms
See terms
N/A9
See terms
See terms
See terms
See terms
See terms
See terms
None9
$09
See terms9
See terms9
$09
See terms
See terms
$09
See terms
N/A9
n/a9
See terms
n/a9
See terms
$09

Other Alternatives to Synchrony Bank Cards:

Credit One Bank® Unsecured Visa® for Rebuilding Credit
Compare

Expert Rating:

Card Details
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply
Summary of Card Features:
Intro APR
on Purch..
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
N/A 17.49% - 25.49% Variable $0 - $99 See terms Yes
See card details
Milestone® Mastercard® with Free Choice of Card Image
Compare

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
Excellent, Good Credit
Discover it® - Cashback Match™
Compare

Expert Rating:

Card Details
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Application Processing Fee
0% (14 months) 0% (14 months) 13.49% - 24.49% Variable $0 See terms
See card details
Credit One Bank® Platinum Visa® with Cash Back Rewards
Compare

Expert Rating:

Card Details
  • Enjoy peace of mind with $0 Fraud Liability
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Enjoy more buying power with credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Summary of Card Features:
Intro APR
on Purch..
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
N/A 17.49% - 25.49% Variable $0 - $99 See terms Yes
See card details
WebBank/Fingerhut Credit Account
Compare

Expert Rating:

Card Details
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
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

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.

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!