Synchrony credit cards
Largest U.S. private-label and store co-brand issuer. Took over Walmart's card program via OnePay in Sept 2025.
About Synchrony
Synchrony is a store-card and co-brand issuer that lends through Synchrony Bank, best known for retail credit cards and promotional financing at major merchants. Its programs include the OnePay CashRewards Card for Walmart shoppers, the PayPal Cashback Mastercard, the Venmo Credit Card, the Amazon Store Card, the Lowe's Advantage Card and the Sam's Club Mastercard.
Synchrony suits you if you shop often with one retailer, want special financing on a large purchase, or have fair credit and want a first card. Many of its cards offer prequalification that gives a decision in seconds with no impact to your credit score. The limitation: store-only cards work only with that brand or its network, and deferred-interest promotions can charge interest back to the purchase date if you do not pay the promotional balance in full in time.
Notable Synchrony cards
- OnePay CashRewards Card (Walmart)
- PayPal Cashback Mastercard
- Venmo Credit Card
- Amazon Store Card
- Lowe's Advantage Card
Synchrony cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
SynchronySam's Club Mastercard 5596 3921 3882 2890 VALID THRU 09/32JORDAN TAYLOR Sam's Club MastercardSam's Club Plus members with high monthly fuel spend |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and tak… | None | None | Good (690+) | |
SynchronyPayPal Cashback Mastercard 5450 0039 5651 9501 VALID THRU 04/31AVERY PATEL PayPal Cashback MastercardShoppers who default to PayPal at online checkout |
None | 3% cash back on purchases made through PayPal, 1.5% cash back on all o… | None | None | Good (690+) | |
Lowe's / SynchronyLowe's Advantage 4974 8658 3237 4024 VALID THRU 07/31RILEY CHEN Lowe's Advantage CardHomeowners financing or discounting larger Lowe's projects |
None | 5% off eligible in-store & online purchases, or special financing on b… | Promotional financing on qualifying purchases | N/A | Fair to Good (640+) | |
SynchronyGap Good Rewards Visa 4708 8453 6489 7256 VALID THRU 02/29ALEX MORGAN Gap Good Rewards Visa Credit CardHouseholds that regularly shop the Gap brand family |
None | 5 points per $1 at Gap, Old Navy, Banana Republic and Athleta, and 1 p… | None | None | Fair to Good (640+) | |
SynchronyHOME 5225 5702 0652 5706 VALID THRU 07/29SAM RIVERA Synchrony HOME Credit CardFinancing a large home or furniture purchase at partner stores |
None | 2% cash back on eligible purchases under $299 at participating retaile… | Promotional financing on qualifying purchases of $299 or mor… | N/A (network of home retai… | Fair to Good (640+) | |
SynchronyOld Navy 4753 4117 6150 7958 VALID THRU 08/28CASEY BROOKS Old Navy Credit CardFrequent Old Navy and Gap-family shoppers |
None | 5 points per $1 at Old Navy, Gap, Banana Republic and Athleta; the Vis… | None | None | Fair to Good (640+) | |
Synchrony Bank (OnePay/Walmart)OnePay CashRewards 5419 7567 4092 8995 VALID THRU 08/31AVERY PATEL OnePay CashRewards CardWalmart+ members who shop Walmart often |
None | 5% at Walmart for Walmart+ members (3% otherwise); 1.5% on other purch… | None | See issuer | See issuer | — |
Approval rules and tips
Synchrony does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
- Use the Prequalify option on Synchrony card pages; it gives a decision in seconds with no impact to your credit bureau score.
- A full application after prequalifying may affect your credit score.
- Many store cards are aimed at fair to good credit, which makes them easier to get than most bank rewards cards.
- Read financing terms closely: deferred-interest offers charge interest back to the purchase date if the promotional balance is not paid in full.
How to apply for a Synchrony card
Apply on synchrony.com, on the partner retailer's website or app, or in store at checkout. Many Synchrony cards offer a Prequalify option that returns a decision in seconds with no impact to your credit bureau score, while submitting a full application may affect your score. You will typically need your name, address, date of birth, Social Security number, income and a phone number.
Customer service: www.synchrony.com · 1-866-226-5638
Synchrony FAQs
What credit cards does Synchrony offer?
Synchrony's notable cards include OnePay CashRewards Card (Walmart), PayPal Cashback Mastercard, Venmo Credit Card, Amazon Store Card, Lowe's Advantage Card. See the cards we review below for fees, rewards and APRs.
Does Synchrony have special approval rules?
Synchrony does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a Synchrony credit card?
Apply on www.synchrony.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new Synchrony card?
See our step-by-step guide to activating a Synchrony store and co-brand credit cards — online, in the app or by phone.
Is Synchrony a bank?
Yes. Synchrony Bank is the bank behind Synchrony's credit cards, and it also offers savings accounts and CDs. When you open a store or co-brand card with a partner such as Lowe's or PayPal, Synchrony Bank is usually the lender, so your statements, payments and credit reporting come from Synchrony.
Can I use a Synchrony store card anywhere?
Only some of them. Store-only cards, such as the Lowe's Advantage Card, work with that retailer or its network. Co-branded cards on the Visa or Mastercard network, such as the PayPal Cashback Mastercard and the Sam's Club Mastercard, can be used wherever those networks are accepted.