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Synchrony Bank Credit Cards

10 min read
By Brendan Harkness Sep 24, 2019 | Updated Jun 01, 2021

Do you have any retail store credit cards? Have you ever used a promotional financing plan to buy furniture, or expensive electronics? If so, you might be a Synchrony Bank customer without even realizing it.

How Do I Contact Synchrony Bank?

You can get in touch with Synchrony at the phone number below, or by visiting the bank’s contact page.

Want to find your own Synchrony card account? See our full list of Synchrony credit cards.

About Synchrony Bank Credit Cards

Synchrony Bank, as part of Synchrony Financial, is one of the major issuers of store credit cards in the U.S., along with Comenity Bank.

When people talk about credit card issuers you usually hear names like American Express, Chase, Capital One, and Citi — but Synchrony is actually quite big. It’s the largest provider of private label credit cards in the country, according to a 2017 Nilson Report.

Synchrony is partnered with some of the leading companies in the U.S., including Amazon, Chevron, and Lowe’s, along with dozens of smaller retailers. It provides credit cards as well as other credit products, like special financing and installment loans, along with some other services.

Learn More

Is Synchrony a real bank?

You won't find any brick-and-mortar Synchrony Bank locations, but Synchrony is indeed a real bank.

Aside from issuing credit cards, Synchrony provides a plethora of financial products (including high-yield savings accounts, certificates of deposit (CDs), and more), plus special financing offers with select retailers.

Despite all the different card offers, you can use the basic Synchrony Bank login page at to access any Synchrony card account. Or you can download the MySynchrony app for your smartphone. You’ll be able to check your card details and pay bills with either method.

Synchrony cardholders can also access one of their FICO credit scores, based on their TransUnion credit reports. This is a good feature for anyone trying to establish or rebuild credit.

However, store cards also have some downsides (learn more in our 2020 retail store card survey). They typically come with low credit limits, like $500 or $1,000, and very high interest rates. You should always pay your statement balance in full and never carry a balance on a store card, because the interest you accrue will negate any rewards or benefits you got from the card (this is good advice for every card unless you have a promotional 0% interest rate). Store cards also tend to come with below-average customer support, as discussed in the section below.

Insider tip

The shopping cart trick is rumored to be a way to get approved for certain credit cards without hard inquiries on your credit reports, although it may not actually work. People usually try it with store cards issued by Comenity Bank, but some report that it works with certain Synchrony Bank credit cards as well, like the QVC card. We can’t confirm this, however.

Where Can I Use My Synchrony Credit Card?

The majority of Synchrony Bank credit cards are closed-loop, also known as private label, meaning they can only be used at their co-branded stores. The Store Card (Review), which can only be used at Amazon, is a good example of that. There are also some Synchrony cards that can be used at a selection of different stores within certain categories.

Some cards are open-loop, meaning they’re affiliated with a credit card network like Visa or Mastercard, and can be used anywhere those card types are accepted. Look for the Visa or Mastercard logo in the bottom-right of the card — if you see it, you’ll know that card is open-loop. Synchrony refers to open-loop cards as “Dual Card credit cards.”

Private label credit cards have rewards and benefits that are solely focused on the co-branded store, which makes sense because that’s the only place they can be used. Open-loop cards usually have additional bonus categories, allowing you to earn rewards for other purchases outside of that store.

Store credit cards are known for being relatively easy to get compared to other types of cards, making them popular among people with bad credit or limited credit. They usually don’t have annual fees and they’re often advertised in store checkout lanes, trying to tempt you into applying with the promise of a quick (but relatively small) discount. If you can’t get approved for a general-use rewards card, which would earn rewards for any purchase, anywhere, you might want to start with a store card to help build up your credit.

How Do I Pay My Synchrony Credit Card?

Trying to pay the bill for your Synchrony credit card?

Start by visiting Synchrony’s credit card support site. Search for the store your card is co-branded with, or for your credit card type. You’ll be given a link to access your account online, along with a phone number to call if you need it.

How Is Synchrony’s Customer Service and Payment Processing?

If you’re trying to get in touch with Synchrony you may find a mess of contact details and phone numbers. Start with the main Contact Page for credit cards.

From there you’ll find the general Synchrony Bank phone number for credit card services: 1-866-419-4096.

However, if you’re trying to get support for a specific credit card you might end up struggling through a phone menu. Instead of calling that number, you can find your card’s store from the menus on the left of that contact page. After selecting the store you’ll see a specific customer support number to call for your card.

Unfortunately, we’ve received many complaints from users of Synchrony Bank credit cards. Most of the complaints are about poor customer service, concerning agents who seem to either give wrong information or don’t deliver on what they promise, like waiving a fee. Other complaints are about administrative errors, trouble logging in and redeeming rewards, or difficulty making payments. This last issue — trouble making payments — is a serious one because not only can it lead to late fees, it can also have long-lasting negative effects on your credit scores.

If you use a Synchrony credit card, we strongly recommend setting up autopay for the full statement balance. Set the payment to be made as soon as possible after receiving your monthly billing statement — don’t wait until the last minute. You should also consider setting a reminder to check to make sure the payment is actually received after that. Although many people won’t experience any problems at all, and this might seem like overkill to some, you may want to take these steps to help safeguard your finances and your credit.

These warnings also apply to the other major issuer of store credit cards, Comenity Bank. While every card issuer gets its share of bad reviews, Synchrony and Comenity seem to be leading the pack when it comes to unsatisfied customers.

Synchrony Bank Retail Store Credit Cards

Here’s a full list of Synchrony credit cards, starting with retail stores in this section and covering other types of companies in the later sections. Take note that some of these cards have been discontinued for new applicants, although current cardholders can still log in using the links below.

In some cases the cards may be discontinued for current members as well, meaning your card would have been closed. If that happened you should have received a notice, and you can follow your card’s link to learn more. In still other cases, the account may have been taken over by a different card issuer; if this happened you should have received a notice. Contact Synchrony’s customer support according to the instructions above if you have any questions about your account.

Retail Store Card
1800Mattress 1800Mattress Credit Card
4 Wheel Parts 4 Wheel Parts Credit Card
AAMCO Transmission
AAMCO Synchrony Car Care Credit Card
ABC Warehouse
ABC Warehouse Credit Card
Abt Electronics
Abt Credit Card
Airport Home Appliance & Mattress Airport Home Appliance & Mattress Credit Card
Alto Music
Alto Music Credit Card
Amazon Store Card (Review)

Amazon Prime Store Card (Review)

American Eagle Outfitters

AEO Connected® Credit Card

AEO Connected® Visa® Credit Card

American Signature Furniture
American Signature Furniture Credit Card
America’s Tire
America’s Tire Credit Card
Ariens Co.
Ariens Co. “Get The Gear” Credit Card
Art Van
Art Van Signature Card
Ashley Furniture Home Store
Ashley Advantage™ Credit Card

Athleta Card

Athleta Visa® Card

At Home

At Home Credit Card

At Home Mastercard®

Banana Republic
Bargain Outlet Bargain Outlet Credit Card
Becker Furniture World Becker Furniture World Credit Card
Bedzz Express Bedzz Express Credit Card
Belk Rewards Credit Card

Belk Rewards Mastercard®

Bernina Credit Card
Bert’s Bikes & Fitness Freedom to Ride Credit Card
Big Sandy Superstore
Big Sandy Superstore Credit Card
Bjorn’s Credit Card
Blain’s Farm & Fleet
Blain’s Farm & Fleet Rewards Mastercard®
Bomagaars Consumer Credit Card
Bowflex Credit Card
BrandsMart USA
BrandsMart USA Credit Card
Briggs & Stratton
Briggs & Stratton Standby Power Credit Card
Broyhill Furniture
Broyhill Furniture Credit Card
Cabinets To Go
Cabinets To Go Credit Card
Calico Credit Card
Canales Furniture
Canales Furniture Credit Card
Car-X Tire & Auto
Car-X Credit Card
Carpet One Floor & Home
Carpet One Floor & Home Credit Card
CARSTAR Synchrony Car Care Credit Card
Coleman Heating & Air
Coleman HVAC Credit Card
Conservation Construction
Conservation Construction Credit Card
Container Store
Container Store Credit Card
Crate and Barrel

Crate and Barrel | CB2 Credit Card

Crate and Barrel | CB2 Mastercard®

Sony Financial Services Credit Card
Daltile Credit Card
Daniel’s Home Center
Daniel’s Home Center Credit Card
DICK’S Sporting Goods

DICK’S ScoreRewards Credit Card

DICK’S ScoreRewards Mastercard®

Discount Tire
Discount Tire Credit Card
Dock 86
Dock 86 Credit Card
Drexel Heritage
Drexel Heritage Credit Card
DR Power
DR Power Credit Card
DX Engineering
DX Engineering Super Card
Electronics Express
Electronics Express Credit Card
Ethan Allen
Ethan Allen Platinum Card
Evine Credit Card
Ferris Mowers
Briggs & Stratton Credit Card
Flooring America
Flooring America Credit Card
Gabberts Credit Card
Gap Credit Card (Review)

Gap Visa (Review)

Generac Credit Card
Goedeker’s Credit Card
Golfsmith Credit Card
Ariens Co. “Get The Gear” Credit Card
Guitar Center
Guitar Center Gear Card
Havertys Credit Card
Henredon Henredon Credit Card
hhgregg hhgregg Credit Card
HomeGoods TJX Rewards® Credit Card (Review)

TJX Rewards® Platinum Mastercard® (Review)

HOM Furniture
HOM Furniture Credit Card

HSN Card

HSN Mastercard®

Hudson’s Furniture
Hudson’s Furniture Credit Card
Husqvarna Credit Card
Hyde Park Jewelers
Hyde Park Jewelers Credit Card
JCPenney Credit Card (Review)
Jennifer Furniture
Jennifer Furniture Credit Card
Jewelry Exchange
Jewelry Exchange Credit Card
Jiffy Lube
Jiffy Lube Credit Card
Kane’s Furniture
Kane’s Preferred Platinum Card
Karastan Consumer Credit Card
Kawasaki Credit Card
Kiesel Custom Guitars
Kiesel Guitars Credit Card
Kraft Music
Kraft Music Credit Card
KTM Credit Card
KYMCO Credit Card
La-Z-Boy Furniture Galleries Credit Card
Lane Furniture
Lane Furniture Credit Card
Lumber Liquidators
Lumber Liquidators Credit Card
Maaco Credit Card
Mahindra Credit Card
TJX Rewards® Credit Card (Review)

TJX Rewards® Platinum Mastercard® (Review)

Massey Ferguson
Massey Ferguson Credit Card
Mathis Brothers
Mathis Brothers Credit Card
Mattress Firm
Mattress Firm Credit Card
Mattress Warehouse
Mattress Warehouse Credit Card
Mavis Discount Tire
Mavis Tire Credit Card
McCoy’s Building Supply
McCoy’s Commercial Credit Card
Meineke Credit Card
Metro Mattress
Metro Mattress Credit Card
Midas Credit Card
Mitsubishi Electric
Mitsubishi Electric Credit Card
Mohawk Flooring
Mohawk Flooring Credit Card
Morris Home Furnishings
Morris Home Furnishings More For You Credit Card
Musician’s Friend
Musician’s Friend Platinum Credit Card
Newegg Store Credit Card
Old Navy
Old Navy Credit Card (Review)

Old Navy Visa Card (Review)

Mattress Firm Credit Card
P.C. Richard & Son
P.C. Richard & Son Credit Card
Pandora Preferred Credit Card
Pep Boys
Pep Boys Credit Card
Polaris Credit Card
Precision Tune Auto Care
Precision Tune Auto Care Credit Card
QVC QCard Credit Card
Regency Furniture Showroom
Regency Furniture Credit Card
Rheem Credit Card
RiteRug Flooring
RiteRug Flooring Credit Card
Rooms & Rest
Rooms & Rest Credit Card
Rooms To Go
Rooms To Go Credit Card
KwikComfort Financing Credit Card
Sam Ash
Sam Ash Credit Card
Sam’s Club
Sam’s Club® Mastercard®

Sam’s Club Business Mastercard

Scarab Jet
Scarab Jet Credit Card
Sewing & More
Sewing & More Credit Card
Sewing Machines Plus
Sewing Machines Plus Credit Card
Shaw Floors
Shaw Floors Credit Card
Sheely’s Furniture & Appliance
Sheely’s Furniture & Appliance Credit Card
Sierra Trading Post
TJX Rewards® Credit Card (Review)

TJX Rewards® Platinum Mastercard® (Review)

Briggs & Stratton Standby Power Credit Card
Sleep Experts
Sleep Experts Credit Card
Sleep Number
Sleep Number Credit Card
Sleep Train Mattress Centers
Mattress Firm Credit Card
Sleepy’s Credit Card
Snapper Pro
Briggs & Stratton Standby Power Credit Card
Sony Synchrony Credit Card
Specialized Bicycles
Specialized Bicycles Credit Card
Stein Mart

Stein Mart Credit Card

Stein Mart Mastercard®

Summit Racing Equipment
Summit Racing Equipment SpeedCard
Sunglass Hut
Sunglass Hut Credit Card
Sutherlands Friends of the Family Plus Credit Card
Suzuki Credit Card
Sweetwater Credit Card
Synchrony Car Care Synchrony Car Care™ Credit Card
Synchrony HOME
Synchrony HOME™ Credit Card
Synchrony Sporting Goods
Synchrony Sport Credit Card
System Pavers
System Pavers Credit Card
TJ Maxx TJX Rewards® Credit Card (Review)

TJX Rewards® Platinum Mastercard® (Review)

Teletron Teletron Credit Card
Thomasville Thomasville Credit Card
Tire Discounters Tire Dicounters Traction Credit Card
Tire Pros
Tire Pros Preferred Customer Credit Card
Tire-Rama Credit Card
Toro Synchrony Credit Card
Town Fair Tire
Town Fair Tire Credit Card
Toys R Us
“R”Us Credit Card
Tuffy Tire and Auto Service
Tuffy Tire and Auto Service Credit Card
US Appliance
US Appliance Credit Card
Value City Furniture
Value City Furniture Credit Card
Vaughan-Bassett Credit Card
Vintage King
Vintage King Audio Credit Card
Westrich Furniture & Appliances
Westrich Furniture & Appliances Credit Card
Woodwind & Brasswind
Woodwind & Brasswind Credit Card
Yamaha Credit Card
York Credit Card

Synchrony Bank Travel Credit Cards

Synchrony Multi-Store Category Cards

Some of Synchrony’s partner merchants are grouped under a few specific card account types. There are several card types, which cover a variety of stores and services:

Read more Review: Synchrony HOME Credit Card – Best for Home Goods & Furniture?

Rather than being limited to individual stores, the four Synchrony cards above can be used at many different retailers within their categories. So, for example, the Car Care Credit Card can be used at many different auto shops; the HOME Credit Card can be used at many different home furnishings stores; etc.

If you apply for what seem like two different credit cards at certain auto shops, you may actually be applying for the same Car Care Credit Card. If that’s the case, the only difference will be the name on the card, which will be the name of the specific store at which you applied. The same holds true for the HOME and Sport credit cards.

You may have seen the CareCredit® credit card advertised at your doctor’s office. This card can be used with many different healthcare providers (for humans and for pets) and offers deferred financing plans to help you pay for medical services over time. Be aware that if you fail to pay back the entire balance by the due date or miss a monthly payment you’ll be charged interest for the entire length of the term, going back to the purchase date. This is true for all deferred financing plans, which are offered by many Synchrony credit cards.

Synchrony Bank Gas & Auto Credit Cards

Synchrony Bank Medical Credit Cards

Synchrony Bank Miscellaneous Credit Cards

Insider tip

Looking for a new card for shopping, travel, or paying off debt? See our picks for the Best Credit Cards in a variety of categories.

At a glance

Synchrony Bank is a major issuer of retail and co-branded credit cards, including big names like Amazon, PayPal, and Lowe’s. It also issues specific credit cards to be used across a variety of healthcare services, auto shops, and home furnishing stores.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

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