Synchrony Credit Cards: Prequalify or Apply Online (2024)

FAQs

How hard is it to get approved through Synchrony? ›

It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit.

Synchrony Bank also pre-screens customers by using data compiled from three major credit bureaus: TransUnion, Equifax, and Experian. Plus, it mails prepaid offers to consumers who have at least fair credit (a credit score between 640-699). To receive a credit card after being pre-approved, you still need to apply.

For instance, Synchrony Bank uses the VantageScore 4.0 scoring model when evaluating credit card applications. But a different credit card issuer might use a FICO score to determine whether you qualify for their cards.

The Synchrony Premier World Mastercard® credit score requirement is 700 or better.

Yes, it is hard to get the Synchrony Premier World Mastercard® because it requires good credit for approval. Unless your credit score is 700 and you have a lot of income, it will be difficult for you to get approved for the Synchrony Premier Card.

The Discover it^® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.

The pros of banking with Synchrony include a top-tier high-yield savings account with a competitive interest rate and easy opening requirements, and a variety of CD terms and types. The cons of banking with Synchrony include no physical locations, no checking accounts, and limited services and products beyond banking.

More about Synchrony: Synchrony Bank is owned by Synchrony Financial, a Stamford, Connecticut-based consumer financial services company.

It's important to understand that even if you've been pre-approved, you're not guaranteed to be approved once you complete an official application. For example, depending on whether the information in your credit report changed from the time you were pre-approved, you may be denied for a pre-approved offer.

Synchrony Bank uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness. Either one or more credit bureaus may be used when evaluating a Synchrony credit card application. Credit reports, however, don't differ that much from bureau to bureau.

Does Synchrony blacklist? ›

It's common knowledge that there are banks who blacklist those who default on their credit cards causing the bank a financial loss. Chase, American Express, USAA, Synchrony and almost every credit union blacklist.

Link your Amazon and Synchrony Bank accounts to enable easy access to basic card account information directly on Amazon. Linking your Amazon and Synchrony Bank accounts allows you to view basic information about your Amazon Store Card or Amazon Secured Card on Amazon. To link your accounts: Go to Amazon Store Card.

There is no disclosed starting credit limit for the Synchrony Premier card. The issuer does not include any specific credit limit information in the card's terms. For the most part, credit limits depend on each applicant's overall creditworthiness.

Both banks have a $0 minimum deposit and no monthly service fee, which maximizes earnings. But if you're looking for the best rate, Synchrony is the winner. Capital One allows customers to open multiple savings buckets to save for separate goals.

The credit score you need for the CareCredit Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.

Chip Lupo, Credit Card Writer

You should receive a decision on your Synchrony Bank credit card application within 7-10 business days. In many cases, you'll get a response in seconds. If you haven't heard back within a reasonable time frame, you can always call customer service to ask about the delay.

The cons of banking with Synchrony include no physical locations, no checking accounts, and limited services and products beyond banking.

The Synchrony Car Care™ Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Synchrony Car Care™ Credit Card.

Phone interview with a member of the recruiting team. If it's a “right fit” position, your resume will be forwarded to the hiring manager for review. Feedback within 72 hours. If an additional interview is requested, an online application will be emailed to you.