Learn How to Apply Synchrony Credit Card

Updated: August 2, 2025

The Synchrony Credit Card is a convenient financing option offered through major retail partners across the U.S.

Whether you’re shopping in-store, online, or managing recurring expenses, these cards provide flexible features and exclusive benefits.

This article will show you how to apply for a Synchrony Credit Card with clear, step-by-step instructions.

What Is a Synchrony Credit Card?

A Synchrony Credit Card is a store-branded or co-branded credit card issued by Synchrony Bank in partnership with major retailers and service providers.

These cards are designed to offer special financing options, rewards, and exclusive discounts based on your shopping preferences.

Common Retailers That Use Synchrony Credit Cards

Here are some of the common retailers that offer credit cards through Synchrony Bank. These cards come with specific perks tailored to each store.

Lowe’s: Offers promotional financing on home improvement purchases and special discount days.
Amazon: Provides the Amazon Store Card with special financing and exclusive offers for Prime members.
PayPal: Offers the PayPal Cashback Mastercard, which accepts rewards everywhere Mastercard is accepted.
JCPenney: Includes exclusive discounts, special offers, and occasional extra coupon access for cardholders.
Ashley Furniture: Gives promotional financing on furniture and décor purchases.
CareCredit: Designed for medical and healthcare-related expenses with flexible financing options.
Synchrony Health+: A dedicated program for health and wellness services like optical, dental, and veterinary care.

Learn How to Apply Synchrony Credit Card

Types of Synchrony Credit Cards

Here are the main types of Synchrony Credit Cards, each tailored to specific spending needs.

Use this guide to find the type that matches your lifestyle and shopping habits.

Private Label Credit Cards

Store-specific cards are used only at the issuing retailer.

Important Details:

Accepted only at the partner store (e.g., Lowe’s, JCPenney)
Often includes promotional financing offers
No annual fee in most cases
Requires fair to good credit

Co-Branded Credit Cards

Cards issued in partnership with major networks like Mastercard or Visa and accepted anywhere those networks are used.

Important Details:

Can be used at most retailers, not just the partner brand
Includes cashback or points rewards (e.g., PayPal Cashback Mastercard)
Offers purchase protection and travel benefits
May include welcome bonuses

Sector-Specific Credit Cards

Description: Cards are designed for use in specific industries such as healthcare, travel, or automotive.

Important Details:

Examples: CareCredit (healthcare), Cathay Pacific Visa (travel)
Offers special financing for significant expenses
Typically used in a network of partner providers
May require higher credit standards

Benefits of Having a Synchrony Credit Card

Having this card comes with several benefits that can enhance your shopping experience and financial flexibility.

Here are the main advantages you can expect:

Exclusive Financing Offers: Enjoy promotional financing with 0% interest for a limited time on qualifying purchases.
Store Discounts and Rewards: Earn special discounts, cash back, or loyalty points when shopping at partner retailers.
Wide Range of Card Options: Choose from store-only cards or co-branded cards that can be used anywhere Mastercard or Visa is accepted.
Online and Mobile Account Management: Easily monitor transactions, make payments, and set alerts through Synchrony’s online portal or app.
No Annual Fees (on most cards): Many Synchrony cards come with no annual fee, allowing you to save money while building your credit.
Credit Building Opportunities: Responsible use of a Synchrony card can help improve your credit score over time.

Eligibility Requirements

Here are the basic eligibility requirements you need to meet before applying. These factors help determine your approval odds during the application process.

Minimum Age: Applicants must be at least 18 years old.
Residency Status: A valid U.S. residential address and citizenship or permanent residency are required.
Valid Social Security Number or ITIN: You need a legitimate SSN or ITIN for identity and credit checks.
Proof of Income: You should have a consistent source of income to support your credit use.
Credit History: A fair to good credit score (around 600 or higher) improves your chances of approval.

How to Apply for a Synchrony Credit Card

Applying is a quick process and can be done entirely online or through select retail stores. Here’s how to apply step by step:

Choose the Retailer or Card Type: Visit the retailer’s website (e.g., Lowe’s, Amazon, PayPal) and open their Synchrony card page.
Click “Apply Now”: Look for the “Apply Now” or “Start Application” button on the retailer’s credit card page.
Fill Out the Application Form: Provide your full name, date of birth, SSN or ITIN, income details, and contact information.
Review the Terms and Conditions: Carefully read the APR, fees, and promotional financing terms before submitting your application.
Submit the Application: Once you have completed filling out all the required information, click “Submit” to send your application for review.
Check for an Instant Decision: In many cases, you’ll get a response within seconds. If not, a decision is usually mailed within 7–10 business days.

What Happens After You Apply

Once you’ve submitted your application, here’s what happens next:

Instant Decision (Often): Many applications are reviewed immediately, with approval or denial often occurring on the spot.
Hard Credit Inquiry: Synchrony will perform a hard pull on your credit report, which may temporarily impact your credit score.
Card Approval and Delivery: If approved, your card will typically arrive within 7–10 business days by mail.
Denial Notification with Explanation: If you’re declined, Synchrony typically sends a letter explaining the reason for the denial.
Steps if Denied: Review the denial notice, check your credit report for issues, and consider reapplying after improving your credit situation.

Interest Rates and Fees

Syncing your expectations with actual costs helps you use your card wisely. Here’s a detailed breakdown of typical APRs and fees.

Interest Rates & Minimum Charge:

Purchase APR: Varies by card and credit score, typically ranging from 27% to 35%, with some as high as 34.99%.
Cash Advance APR: Higher rates, around 30–38%, plus a fee of 4–5% per transaction (minimum $10).
Penalty APR: May jump up to 39.99% if you miss payments.
Minimum Interest Charge: At least $2 if interest is applied.

Fees:

Annual Fee: Typically $0, but please verify the specific card terms.
Late Payment Fee: Usually $27 for the first late payment, increasing to $38 if another occurs within six cycles.
Returned Payment Fee: Typically $30, rising to $41 for repeat occurrences.
Paper Statement Fee: About $1.99 per billing cycle, avoidable by opting for e-statements.
Foreign Transaction Fee: Around 3% for international purchases on certain cards.

Promotional Financing Terms

Deferred & Zero-Interest Offers: Common for 6, 12, or 24 months. If not paid off in full, the standard APR (approximately 24–25% variable) applies retroactively.

Customer Support and Contact Info

Here’s a guide to Customer Support and Contact Info for Synchrony services:

General Credit Card Support: Call 1‑866‑419‑4096 for help with any Synchrony retail card.
Lowe’s Card Support: Call 1‑800‑444‑1408 for questions about your Lowe’s account.
Amazon Store Card Support: Call 1-866-634-8380 for assistance with your Amazon card.
PayPal Credit or Mastercard Support: Call 1‑844‑373‑4961 (Mon–Fri 8 AM–11 PM ET, Sat–Sun 9 AM–9 PM ET).
Online Account Help: Log in at Synchrony.com to use chat or send secure messages.
Mailing Address: Synchrony Bank, P.O. Box 669802, Dallas, TX 75266‑0955