Full List of 116 Synchrony Store Credit Cards [Includes the Best Cards]

The worst bank ever, don’t deal with them because they have the worst customer service and they will close your account for no reason. You will regret the moment you deal with Synchrony.

This “bank” is a scam. They will give you credit, and without reason, will lower your credit score by decreasing your available credit so they can charge you more interest. It’s a scam.

Synchrony Bank issues about 190 credit cards, including store cards.

I fell behind on one of my cards and they closed two accounts and dropped all my credit limits because of one month accident as I was switching bank accounts, I was late on the accounts and I get massively punished by dropping my credit limit which dropped my credit score A LOT!!! taken over a year now and still my credit is not up to where it was before… sucks!!!

Synchrony Bank keeps increasing my credit limit, I guess that happens when I buy something from Google and then pay it off and then buy something else and pay it off again. So far I have a good experience with synchrony bank.

You have to watch out doing online bill payments with this bank, at least if you have a bank account with Chase. I’ve had several occasions where they’ve pulled the money out after 9 PM, and the drafts do a hard post to your bank account that night. Therefore, unless you’re not already in bed and are looking at your text and email low balance alerts, you have no idea you’re getting ready to overdraft. Chase will then post the largest drafts first causing anything less that was originally covered by your balance to also overdraft. I’ve overdrafted several times because of this.

Synchrony will also destroy your credit by automatically closing accounts not used in the last twelve months.

I agree we should file a class-action suit. The same issues that you all have had, I have also. This bank will close your account for no reason, or they will lower your credit limit for no reason. They will not even let you know that they are doing this. I have never missed a payment, always paid on time, and even paid off balances early on the following cards:
Amazon credit limit $ 650.00 dropped my limit to $100.00
TJMaxx credit limit $1450.00 dropped my limit to $450.00
Belks credit limit $1,500 dropped my limit to $400.00
Old Navy credit limit $ 1250 dropped my limit to $ 450.00
Walmart credit limit $1,500 dropped my limit to $1,100.00
Ashley Furniture credit limit $1,500 closed my account
I paid off my cards and will never use them again, with the exception of Walmart because Capital One services this account now. I very upset about this because I have worked really hard to build my credit, all to have sets back like this!

Synchrony bank cannot be reached. I’ve been trying to reach their fraud department for 4 days, and it doesn’t matter what time of day it is, I always get a recording telling me they are closed and to please call back during normal business hours. Who knew that 8 am on a Friday, 10 AM on a Tuesday, and noon on any workday is NOT during normal business hours? Get your crap together Synchrony!

My trouble started with Synchrony Bank as soon as I bought my home. I was never late on any of my payments on my credit cards with Synchrony bank. Two of them had a zero balance. But after I bought my house they started lowering all my balances citing because of the balance on my home. I just bought it like less than 6 months ago so of course the balance owed on my house was high. My daughter paid her balance off on two of her cards and then they closed her accounts. My Walmart account they sold to Capitol One. I say they’re in some kind of trouble and are just liquidating accounts. But its hurting people’s credit with what they’re doing. It’s not if you miss a payment, they are lowering credit amounts and closing a counts that are in good standing and selling off others. I think they are in some kind of trouble and I for one am paying off my accounts with them and will never do business with them ever again. They and Wells Fargo are sheisty.

Mr. Spencer your list is incomplete. Synchrony Bank issues more credit cards.

They are the worst and most unscrupulous credit card company out there, don’t fool yourself!

Because of your list, I applied for a card that I would actually use. I’m rebuilding my credit and this article was very helpful!

Synchrony bank will close your account if there is no activity for 6 months and you have a zero balance.. This happened with my Walmart Gas Card and JCPenny card. I had always bought Christmas with my JC penny card and paid it off withing months later. I was shocked when I went into a JC Penny store 8 years ago only to find that my card was cancelled for non-use. I have NEVER SHOPPED at JCPenny’s since. Kohls has always treated me rights. They have been getting my business every since.
With regards to my Walmart Gas Card. I have never used Walmarts gas again once my account was also closed due to several months of non-use. There was never an advance notice to say that if you don’t make a purchase soon, we are pulling the plug. Synchrony needs to take a good look at the definition of customer service and loyalty. Or maybe, they just don’t care.

Used to have the following with this lot:
Care Credit
Rooms to Go
Car Care
Amazon store card
PayPal credit
Every single one closed on 5/21. All used in the last 6 months, all had a low balance around 4%, all paid on time. How do I know they were all closed? My credit monitoring service. Not them.
Moral of the story is this: Avoid Synchrony like the plague/Covid.
That said, sometimes you can’t avoid them – case in point is PayPal as that was not Synchrony – they acquired PayPal Credit.

Until they close all your accounts for no reason. Many of mine had zero balances, high credit limits. Always paid in full unless I took advantage of their special financing.

Anyone ever try emailing the ceo of synchrony…margaret.keane@synchronyfinancial.com

Please do not use this bank at all, they will crash your credit. I will never do business with this bank and the people who use this bank. They are very bad people.

I have just started experiencing the same issue with Synchrony bank. I have several credit cards with them with zero balance. I received a letter stating they closed my Lumber Liquidators credit card again for bogus reasons listed and I had a zero balance on the card. I have purchased $20,000 worth of flooring using the card and paid them off right away. The LL store actually pushed the card on me when they were having specials. I am not blaming LL as it was me that said yes to the card. I started doing some research online and found out some alarming things that I am going to contact our state political representatives about as I believe the same thing is going on with Synchrony Bank and its card members as what happened back in 2012 and the IRS. Do some research and you will find out what I found out. By Synchrony Bank closing the card it will put a bad mark on your Credit Score. That is horribly wrong and a very bad practice. They are doing this for a reason and its not a good one.

I thought I was the only one going through something with them, I have several cards with them, I had a stellar credit payback rating of 100% I missed one payment and they charged me a lot of interest. Once my cards closed out they were still charging me. I didn’t/don’t know who to go to, to complain except the BBB.

I absolutely love Synchrony Bank! I have 10 of their credit cards — never once had a problem! I get more credit card increases than any other carrier (Capital One, Discover, American Express, Citibank, etc.). Yes, I too had a couple of their cards canceled once (JC Penney, Chevron), however, that was due to inactivity. Any credit card issuer will do that! Once, when I accidentally missed a payment on Amazon, they simply waived the fee — that was it. My credit utilization is only 2%. That helps me tremendously! All these horror stories I am reading above, I simply cannot relate to! Synchrony Bank has been an absolute delight to deal with! Some of you, who max out your cards, miss payments, then gripe about it, you get what you deserve! It is just the truth! All this baloney about class action lawsuits — get real people! It is laughable! You are all NOT victims! Wise up!

I had several synchrony cards. I have paid them off in full every year. They recently closed all my cards because of an algorithm said I might be a risk of not paying? I have never been late on any cards. Several of the cards had a zero balance too.

Last month (Feb 2021, I spent about $120 on my Amazon Store Card. I paid in full two days before the due date of 2/10/2021. The statement printed $0 balance on 2/15/2021. Synchrony reported a $0 balance on 2/18/2021. Then I spent about $400 on the card, and do you know how they rewarded me for always paying early and in full? They reported my current spending to the Credit Bureaus! Ten days after the bill closed, and one week after the $0 balance report, they re-reported my current charges. Those charges have not been billed yet, so the Grace Period to pay in full won’t even begin until 3/15/2021 and those charges are not due until 4/10/2021! But on 2/25/2021 they reported new charges that I just made on 2/21/21, 2/22/21, and 2/23/21. What are they up to? Do the bureaus really need to know that I bought a few things at Amazon before those charges are even due? Is this their way to punish me because I get 5% cash back on this card and never pay any interest? Seriously, these guys act like a crime syndicate.

I agree with everyone else. Credit Karma sent me some emails and I went on there and I saw that 5 of my accounts from Synchrony Bank were closed. Two of them Lowes and Belk Mastercard I still had a balance on them. I didn’t get a warning about them closing the accounts and I had never missed a payment. The cards that have a balance, I am contemplated not paying them since they closed them. They have too much power.

Every horror story I read above is exactly what has happened to me. I paid off 4 of my big accounts, Amazon, Sam’s Club, QVC, and PayPal. Started to pay my monthly bills, checked in on my BP gas card, account closed. There has been a 0 balance for 2 months, I went around for 30 minutes until one “person” I use that word very loosely, said you will be getting a letter in the mail, and repeated that after every question I asked. I proceeded to the next account, the same thing…round and round I went for 4 hours. Finally, a wonderful lady knew what had happened, it all stemmed from my Sam’s club card that I had a business check paying the balance off, told the girl in Sam’s that it could not go through as an EFT, she said “oh that doesn’t mean anything”, scanned it gave me my paid receipt and the check back. When I got home I called the number on the back of my card and told the man what just happened, he said: “no problem, just give me the routing number and account number”…All Done. Three days later I get a call saying my account is blocked due to that check not clearing, I explained all that had happened, she said “put the check in the mail, it should arrive before your due date.” Don’t know if that payment ever arrived but now I have not 1 account closed, I have 4 more and I am sure there will be others to follow with all the reviews I have just read. My BP account I have had for over 27 years. Closed without a word…needless to say, I am very angry with Synchrony…beware people.

Do not get a Synchrony Bank credit card for any reason! They will all of a sudden close your credit card, without any prior notice, based on your credit score only. I kept my payments current and even paid off large balances early but that made no difference. Their computer just decided to close my account because my credit score dropped below their threshold limit. I repeat do not apply for or accept a Synchrony bank credit card!

In five simple words and then some, stay away from this bank!
I had several cards with them since 2014 and always paid them off and on time. Then, Covid happened and they panicked. They closed all my cards except for the one with the highest interest rate. So, I did them a favor as they did for me and at least called them and not like how they did me on mute, to cancel the remaining card. My credit score is nearly 800+, so I don’t know what their problem is. The same happened to my daughter and a co-worker who had cards with this bank. Like me, they were puzzled and didn’t understand why some, not all credit cards were closed without notice.
Again, stay away from Synchrony Bank, as well as all their financial dealings. Trust me, you will thank all the negative reviews written here and abroad! It is something sinister about their practices, but I can not put my finger on it. At least I can try to save someone else from disappointment.

Synchrony is the worst credit card company I’ve dealt with. I currently hold cards from Chase, Citi, Bank of America, and Amex, for many years on each, and with no problems with any. But when Synchrony recently offered me 2% cash-back, I figured why not go for the extra half a percent. They gave me a card claiming a $14,000 limit, but by the time we’d made our 5th charge (totaling well under $1000), they started blocking charges. After calling them and clearing that up, it was only another half-dozen charges before they started blocking again. No notice from them either time. Responsible firms call or email or text when they question a charge. Not Synchrony.

Their phone support is slow, stupid, rude, and barely speaks English. Their website is only half functional. When asked why no contact when they questioned charges, their line is “We’re only a phone call away.” Right, I’m in a checkout line, they’ve with no warning blocked a charge at the grocery store, and I’m to spend 15 minutes on hold phoning them?

This needs updating again. I believe a couple of the above have changed – but I don’t remember off the top of my head. I do know that there is a Walgreens card that needs to be added – a store card & a Mastercard.

Synchrony does play the credit trick and they do pull Soft checks using a third party. Just had it done to me. TransUnion confirmed this. Although Synchrony sent me a letter saying that they used TU to pull my credit, they did not. Lying, dishonest company with customer service no better than a bag of garbage.

I’m new to synchrony as of 2022. I opened up a Care Credit account to pay for an expensive dental procedure. It’s been 2 months and I’ve since paid off 90% of the credit utilized, and was in the process of making the final payment to zero out my balance-but this thread has me scared to do so! I’m realizing a lot of people were punished for paying off balances early/in full…only to have their accounts closed or limits reduced which hurts their credit! How is this legal? Why do so many with the same experience of being punished credit-wise for doing the right thing? I cannot believe this.

Great post. Very informative. Thank you. I’m very happy customer.

Synchrony purposely failed to bill me for my accounts with JCPenney and Lowe’s so they could collect a late fee and interest. When I called to complain, they dropped the late fee, but tried to blame the no billing on the postal service. Each time I talked with a customer service rep, he or she obviously read from a script. I cancelled the Penney’s card. I only use my Lowe’s card for big purchases a few times a year, so I am tracking my charges on line, then go to the store to make payment. I wrote a detailed letter to Synchrony stating if the failure to bill happened again I would contact the BBB and my state’s attorney general fraud division. I received an obvious form letter in return. I will never open another card with Synchrony. I am trying to retain the Lowe’s card because the discount is so helpful (which I pay off in full before interest accrues) when making a large purchase.

Please provide a number to call Synchrony Steinmart to pay my account.

February 2, 2023, I have Verizon and Sam’s Club under Synchrony Bank. So far so good. No complaints. I hope we continue this relationship. I hope my accounts don’t close out of nowhere.

How do I add a card user to my account and more benefits?

Thanks for sharing valuable feedback, I read your Article!