Bank · FDIC insured
Synchrony Bank Credit Card Rates
Top CarrotSynchrony Bank credit cards start at 20.49% APR on purchases, after any introductory rate. Rates checked October 4, 2026.
How Synchrony Bank’s credit card rates compare
Compared with banks and credit unions nationwide. Ongoing purchase APR, lowest first.
This bank’s lowest
Synchrony Bank
20.49%APR
- Up to
- 33.24% APR
Synchrony Plus World Mastercard
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Up to
- —
2nd-lowest rate
Rio Grande Valley Credit Union
5.90%APR
- Up to
- 18.00% APR
Synchrony Bank credit card score
60
Credit card score
Higher than 1% of U.S. banks and credit unions
- Purchase APRPurchase APR20.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Synchrony Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cutting Edge Credit Card
Subject to credit approval. $0 fraud liability. Accepted across a wide range of dealers for outdoor power equipment, products, accessories, and services. A $150 promo fee is charged on equal payment no interest promotions and fixed payment reduced APR promotions of 18 months or more.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 34.99% | None | For new accounts as of 9/1/2026. Standard purchase APR. Penalty APR 39.99%. Minimum interest charge $2. |
Sources (1)
- synchrony.com/financing/cutting-edge · captured Oct 4, 2026
Sewing & More Credit Card
Subject to credit approval. $0 fraud liability. Free access to credit score. Valid at participating sewing retailers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 34.99% | None | For new accounts as of 07/31/25. Standard purchase APR. Penalty APR 39.99%. Minimum interest charge $2. |
| Intro, 6 months | 0.00% | None | Special financing: No interest if paid in full within 6 months on single-receipt qualifying purchases of $150 or more made with the card. Interest will be charged from purchase date if promo balance not paid in full within 6 months. Minimum monthly payments required. Standard purchase APR 34.99% applies after promo ends. |
Sources (1)
- synchrony.com/financing/sewing-more · captured Oct 4, 2026
Synchrony Car Care Credit Card
Subject to credit approval. Accepted at 1 million+ auto merchant locations nationwide. $0 fraud liability. Gas station purchases are not eligible for promotional financing.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 34.99% | None | For new accounts as of 7/31/25. Standard purchase APR. Penalty APR 39.99%. Minimum interest charge $2. |
Sources (1)
- synchrony.com/financing/car-care/cardholder · captured Oct 4, 2026
Synchrony HOME Credit Card
Subject to credit approval. 0% fraud liability. Free access to credit score. Accepted at thousands of Synchrony HOME retail partners nationwide. Promotional financing offers available at the time of purchase may vary by location.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 34.99% | None | For new accounts as of 7/31/2025. Standard purchase APR. Minimum interest charge $2. Penalty APR 39.99%. |
| Intro, 6 months | 0.00% | None | Everyday promotional financing offer: No Interest If Paid In Full Within 6 months on qualifying purchases of $299 to $1,998.99 on one receipt. Interest charged from purchase date if promotional balance not paid in full within 6 months. Minimum monthly payments required. Regular purchase APR 34.99% applies after promo ends. |
| Intro, 12 months | 0.00% | None | Everyday promotional financing offer: No Interest If Paid In Full Within 12 months on qualifying purchases of $1,999 or more on one receipt. Interest charged from purchase date if promotional balance not paid in full within 12 months. Minimum monthly payments required. Regular purchase APR 34.99% applies after promo ends. |
Sources (1)
- synchrony.com/financing/home/synchrony-home-credit-card · captured Oct 4, 2026
Synchrony Luxury Credit Card
Subject to credit approval. Accepted at over 4,000 retailers nationwide. $0 fraud liability. Free access to credit score. Dedicated credit limit. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 34.99% | None | For new accounts as of 7/31/25. Standard purchase APR. Penalty APR 39.99%. Minimum interest charge $2. |
Sources (1)
- synchrony.com/financing/luxury/cardholder · captured Oct 4, 2026
Synchrony Music & Sound Credit Card
Subject to credit approval. $0 fraud liability. Free access to credit score. Exclusive special financing options may be available at participating music retailers nationwide.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 34.99% | None | For new accounts as of 7/31/25. Standard purchase APR. Penalty APR 39.99%. Minimum interest charge $2. |
Sources (1)
- synchrony.com/financing/music-and-sound · captured Oct 4, 2026
Synchrony Outdoors Credit Card
Subject to credit approval. $0 fraud liability. Accepted at thousands of locations for powersports parts, gear, apparel, equipment $5,000 or less, service and fuel. Cannot be used for down payments on powersports vehicles or trailer purchases. Gas station purchases are not eligible for promotional financing. A promo fee equal to 2% of the amount financed applies on equal payment no interest promotions of 18 months or more.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 34.99% | None | For new accounts as of 7/31/25 (also cited as of 7/16/2024). Standard purchase APR. Penalty APR 39.99%. Minimum interest charge $2. |
| Intro, 6 months | 0.00% | None | Deferred Interest Offer: No interest if paid in full within 6 months on single-receipt qualifying purchases of $199 or more. Interest charged from purchase date if promo balance not paid in full within 6 months. Minimum monthly payments required. Gas station purchases not eligible. No promo fee applies to this offer. Standard purchase APR 34.99% applies after promo ends. |
Sources (1)
- synchrony.com/financing/outdoors · captured Sep 24, 2026
Synchrony Plus World Mastercard
By invitation only. Subject to credit approval. 1% unlimited cash back credited to statement monthly. Mastercard ID Theft Protection, Mastercard Travel & Lifestyle Services, Priceless Experiences. Foreign transaction fee 3%. Minimum interest charge $2. Variable penalty APR 30.49%, 37.49%, or 39.99%. Variable balance transfer APR 20.49%, 27.49%, or 33.24% with 5% fee ($5 min). Variable cash APR 23.49%, 30.49%, or 36.24% with 5% fee ($10 min).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 20.49%–33.24% | None | For new accounts as of August 28, 2026. Variable purchase APR: 20.49%, 27.49%, or 33.24%. |
Sources (1)
- synchrony.com/financing/synchrony-mastercards · captured Oct 4, 2026
Synchrony Premier World Mastercard
Subject to credit approval. 2% unlimited cash back credited to statement monthly. Mastercard ID Theft Protection, Mastercard Travel & Lifestyle Services, Priceless Experiences. Foreign transaction fee 3%. Minimum interest charge $2. Variable penalty APR 30.49%, 37.49%, or 39.99%. Variable balance transfer APR 20.49%, 27.49%, or 33.24% with 5% fee ($5 min). Variable cash APR 23.49%, 30.49%, or 36.24% with 5% fee ($10 min).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 20.49%–33.24% | None | For new accounts as of August 28, 2026. Variable purchase APR: 20.49%, 27.49%, or 33.24%. |
Sources (1)
- synchrony.com/financing/synchrony-mastercards · captured Oct 4, 2026
Synchrony Sport Credit Card
Subject to credit approval. $0 fraud liability. Free access to credit score. Promotional financing offers available at time of purchase may vary by location.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 34.99% | None | For new accounts as of 07/31/25. Standard purchase APR. Penalty APR 39.99%. Minimum interest charge $2. |
Sources (1)
- synchrony.com/financing/sport · captured Oct 4, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.