Synchrony Bank’s Credit Card Alternatives

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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® Cash Back
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
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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
Excellent, Good Credit
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Excellent/Good/Fair Credit
Fair Credit
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Good Credit
Excellent / Good Credit
Excellent / Good Credit
Excellent / Good Credit
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Excellent/Good/Fair Credit
Excellent / Good Credit
Excellent/Good/Fair Credit
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Discover it® Miles Discover it® Cash Back Capital One® Platinum Credit Card
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13.99% - 24.99% Variable
13.99% - 24.99% Variable
26.46% (Variable)
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21.99%, 25.99% or 28.99%9
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Other Alternatives to Synchrony Bank Cards:

Credit One Bank® Platinum Visa® with Cash Back Rewards
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Expert Rating:

Card Details
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
Summary of Card Features:
Intro APR
on Purch..
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
N/A 19.99% - 25.99% 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
Credit One Bank® Platinum Visa®
Compare

Expert Rating:

Card Details
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, 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
  • Show off your personality by selecting from a variety of card designs, a fee may apply
Summary of Card Features:
Intro APR
on Purch..
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
N/A 19.99% - 25.99% 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.

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