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
MastercardPayPal Cashback
Personal · No AF
PayPal Cashback MastercardSynchrony Bank
3% on everything you check out with PayPal, which is most of the internet.
Special bonusAF: $0Rating: 7.8/10
VisaVenmo Card
Personal · No AF
Venmo Credit CardSynchrony Bank
Automatic 3% on your top spend category every month, no activation games.
Special bonusAF: $0Rating: 7.0/10
MastercardSam's Club MC
Personal · No AF
Sam's Club MastercardSynchrony Bank
5% on gas anywhere is still one of the best pump rates in the country.
$30 bonus (≈$30)AF: $0Rating: 7.4/10
VisaVerizon Visa
Personal · No AF
Verizon Visa CardSynchrony Bank
4% on gas, groceries and dining, as long as you spend it all at Verizon.
15,000 pts bonus (≈$150)AF: $0Rating: 6.8/10