Synchrony Bank
The biggest store-card issuer in America, powering cobrands for PayPal, Venmo, Sam's Club, Verizon, Amazon's store card and over a hundred retailers. Approvals are accessible, but Synchrony actively manages risk after approval, trimming limits and closing idle accounts.
Application Rules
- ▸Comparatively forgiving underwriting, often approving good rather than excellent credit
- ▸Known for proactive credit-limit cuts and closures on unused or risky accounts, so keep cards active
- ▸Each cobrand may add its own eligibility gate, such as an active PayPal account or Verizon service
Tracked Synchrony Bank Cards
3% on everything you check out with PayPal, which is most of the internet.
Automatic 3% on your top spend category every month, no activation games.
5% on gas anywhere is still one of the best pump rates in the country.
4% on gas, groceries and dining, as long as you spend it all at Verizon.
Minnesota's hometown airline card, rebooted under Synchrony.
The original US Asia Miles card, retired and reborn as a Mastercard.
One card for the whole Virgin empire: Atlantic, Hotels and Voyages.
Walmart's new house card: 5% back in-store and online with Walmart+.
The eBay cobrand is gone, ended March 2026 and folded into a generic 2% Synchrony card.
5% back across T.J. Maxx, Marshalls, HomeGoods, Sierra and Homesense.
Up to 10% back at Walgreens, paid in Walgreens Cash that stays at Walgreens.
The original Rakuten card died in 2022; the brand came back in 2025 as an Imprint-issued Amex.
Synchrony's house 2% card, the landing pad for converted eBay Mastercard holders.
CashPass points at Penney's and a 33% APR everywhere else.
5% back for Prime members, but it is store-only: this card works at Amazon and nowhere else.
A flat 5% off at Lowe's on a store-only card that works nowhere else.