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!
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INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
No
No bonus offer9
Get 1,000 Bonus Belk Rewards Points9
No bonus offer9
No
No
No bonus offer9
No bonus offer9
A $10 Amazon.com Gift Card will instantly be loaded into your Amazon.com Account upon the approval of your credit card application 9
No bonus offer9
No bonus offer9
No bonus offer9
No bonus offer9
No bonus offer9
No bonus offer9
No bonus offer16
Save $25 when you open a Walmart Credit Card and spend $75 on your first purchase.9
No bonus offer9
No bonus offer9
20% off your first AEO Connected credit card purchase.9
No bonus offer9
Earn 500 bonus reward points if you sign up for paperless statements.9
No bonus offer9
No bonus offer9
A $45 same-day purchase statement credit.9
No bonus offer9
No bonus offer9
No bonus offer9
No bonus offer9
No bonus offer9
No bonus offer9
No bonus offer9
Save 20% and enjoy free shipping on your first purchase with the GapCard9
No bonus offer9
No bonus offer9
No bonus offer9
You'll earn 10,000 Stash points towards free stays at one-of-a-kind hotels when you make $1,500 in purchases on your Stash Visa Card within 90 days of opening your account.9
Save $30 or $100 off your first in-store purchase.9
  • 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.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • No rewards9
  • Get a $10 Reward* for 200 points earned.9
  • Earn rewards 2X faster! $1 spent= 1 point** with your JCPenney Credit Card. $2 spent= 1 point** with any other method of payment.9
  • Earn up to 2,000 points on a single purchase.9
  • Earn 5X Points for the rest of the year after you spend $1,000 on eBay in a calendar year.9
  • Until then, earn 3X Points per $1 spent on eBay.9
  • Earn 2X Points per $1 spent on gas, restaurant, & groceries.9
  • Earn 1X Points per $1 spent on all other Mastercard purchases.9
  • No rewards program9
  • Earn 5 points for each $1 of net purchases made with your TJX Rewards credit card at T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post stores in U.S. and Puerto Rico and online tjxmaxx.com or sierratradingpost.com.9
  • 10% Off Your First In-Store Purchase9
  • Get a 5 Points for every $1 spent in our brands, in-stores and online.9
  • Earn $5 for every 500 points you earn.9
  • Earn 2 Points per $1 spent on eligible purchases at Toys"R"Us and Babies"R"Us.9
  • Get a 5 Points for every $1 spent in our brands, in-stores and online.9
  • Earn 1 point for every $1 you spend.9
  • Earn $5 for every 500 points you earn.9
  • Open an "R"Us Credit Card account online and choose 15% off or special financing (minimum purchase required) with your "R"Us Credit Card.9
  • Earn 2 Points per $1 at Toys"R"Us & Babies"R"Us.9
  • Earn 1 Point per $4 everywhere else MasterCard is accepted.9
  • 125 points = $5 in "R"Us Reward Dollars.9
  • Get 3 points per $1 spent on gas and restaurant purchases16
  • Get 2 points per $1 spent on PayPal and eBay purchases16
  • Get 1 point per $1 spent on other Mastercard purchases16
  • Save 3% on Walmart.com purchases including Grocery Pickup.9
  • Save 2% on Murphy USA & Walmart gas.9
  • Save 1% at Walmart & anywhere your card is accepted.9
  • No rewards program9
  • Earn 5% cash back on gas (on first $6,000 per year in purchases, then 1%).9
  • Earn 3% cash back on dining and travel.9
  • Earn 1% cash back on other purchases.9
  • Earn 5% cash back on eligible gas worldwide, including gas at Sam’s Club (on the first $6,000 per year, then 1% after).9
  • Earn 3% cash back on dining and travel.9
  • Earn 1% cash back on other purchases.9
  • Earn 5 Points for every $1 spent in Gap brands, in-store and online.9
  • Get $5 Reward for every 500 Points you earn.9
  • 2 points for $1 of in-store purchases.9
  • 1 point for $3 of out-of-store purchases.9
  • Get 5% off your eligible purchase or order charged to your Lowe’s Advantage Card.9
0% (14 months)
0% (14 months)
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0% (6, 9 or 12 months)9
No intro APR9
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No intro APR16
No intro APR9
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14.24% - 25.24% Variable
14.24% - 25.24% Variable
26.96% (Variable)
29.99%9
25.49%9
27.99%9
27.99%16
27.99%16
22.24%, 26.24% or 29.64%9
27.74%9
28.24%9
29.24%9
28.24%9
28.24%9
26.99%9
26.49%9
26.99%9
21.74% - 28.74% Variable16
25.15%9
19.15%, 22.15% or 25.15%9
29.99%9
27.74%9
24.24%9
26.74%9
25.24%9
29.99%9
16.90% - 24.90%9
24.15%9
16.15% - 24.15%9
17.15% - 25.15% (V) 9
29.99%9
27.99%9
26.999
See terms
26.49%9
25.24%9
28.99%9
n/a9
16.99%9
26.99%9
$0
$0
$39
n/a9
n/a9
N/A9
n/a16
$016
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$09
$0 (Prime membership plans start at $12.99/month)9
$09
$09
n/a9
$09
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$09
$016
N/A9
See terms
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$09
$09
$09
$09
$09
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$09
$09
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$0 introductory fee for one year. After that, your fee will be $85.9
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Other Alternatives to Synchrony Bank Cards:

Excellent, Good Credit
Citi Rewards+℠ Card
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Expert Rating:

Card Details
  • Introducing the New Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 12 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Balance Transfer Fee Annual Fee
0% 12 months on Purchases 0% 12 months on Balance Transfers 15.74% - 25.74% (Variable) 3% of each balance transfer; $5 minimum. $0
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Average, Fair, Limited Credit
Capital One® Platinum Credit Card
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Expert Rating:

Card Details
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
N/A 26.96% (Variable) $0 See terms Yes
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Citi® Double Cash Card – 18 month BT offer
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Expert Rating:

Card Details
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Balance Transfer Fee Annual Fee
N/A 0% 18 months on Balance Transfers* 15.74% - 25.74%* (Variable) 3% of each balance transfer; $5 minimum. $0*
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Capital One® VentureOne® Rewards Credit Card
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Expert Rating:

Card Details
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 14.24%-24.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Balance Transfer Fee Annual Fee
0% intro on purchases for 12 months N/A 14.24% - 24.24% (Variable) $0 $0
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HSBC Gold Mastercard® credit card
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Expert Rating:

Card Details
  • 0% Intro APR on purchases and balance transfers for the first 15 months from account opening. Then a variable APR of 14.24%, 20.24% or 25.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Balance Transfer Fee Annual Fee
0% Intro APR for 15 months 0% Intro APR for 15 months Variable APR of 14.24%, 20.24% or 25.24% Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check None
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Capital One® Savor® Cash Rewards Credit Card
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Expert Rating:

Card Details
  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Balance Transfer Fee Annual Fee
N/A N/A 16.74% - 25.74% (Variable) $0 $0 intro for first year; $95 after that
See card details
Excellent, Good Credit
Discover it® chrome
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Expert Rating:

Card Details
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 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 Balance Transfer Fee Annual Fee
0% (14 months) 0% (14 months) 14.24% - 25.24% Variable 3% $0
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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 20.24%-26.24% Variable $0 - $99 See terms Yes
See card details
Bad/Fair Credit
Total Visa Card
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Expert Rating:

Card Details
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
N/A See Terms* See Terms* 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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