Best Synchrony Bank Credit Cards (2026)
Compare all Synchrony Bank credit cards and find the best fit for your spending.
Top Pick
Cathay Pacific World Elite Mastercard
Spend $3,000 in 3 months
More Synchrony Bank Cards
Sun Country Rewards
Sun Country Airlines Visa
25,000 points bonus · ~$250 value
Walmart - One Pay Rewards
Walmart OnePay CashRewards Card
3,500 reward dollars bonus · ~$35 value
Virgin Atlantic Flying Club
Virgin Red Rewards Mastercard
60,000 points bonus · ~$9 value
Not sure which Synchrony Bank card is right for you?
Compare side by side →Frequently Asked Questions
What is the best Synchrony Bank credit card?
The Cathay Pacific World Elite Mastercard is currently the top-rated Synchrony Bank card, offering a $99/yr annual fee and a strong welcome offer for new cardholders.
Does Synchrony Bank have a credit card with no annual fee?
Yes — the Walmart OnePay CashRewards Card has no annual fee and earns 1.5x base rewards on purchases.
What credit score do you need for a Synchrony Bank card?
Most Synchrony Bank credit cards require good to excellent credit (typically 670+). Premium travel cards like the top-tier options generally require a score of 720 or higher for the best approval odds.
What rewards do Synchrony Bank credit cards earn?
Synchrony Bank credit cards earn points, miles, or cash back depending on the card. Category cards earn accelerated rates in your top spending areas, while flat-rate cards keep things simple.
Are Synchrony Bank credit card points worth it?
Synchrony Bank points and miles offer strong value, especially when redeemed for travel. Pairing multiple Synchrony Bank cards can maximize your earning across categories.
How do I apply for a Synchrony Bank credit card?
You can apply directly through Synchrony Bank's website or by clicking the "Apply Now" buttons above. Most applications receive an instant decision online.
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