3% back when you pay with PayPal and 1.5% everywhere else, with no annual fee.
Rates, fees and offers
- Regular APR
- 18.74%–33.49% variable
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- See Synchrony's terms
- Rewards
- 3% back when you check out with PayPal; 1.5% everything else.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
The APR can run above 33%, so it's a rewards card, not a debt card.
The APR can run above 33%, so it's a rewards card, not a debt card.
The APR can run above 33%, so it's a rewards card, not a debt card.
The APR can run above 33%, so it's a rewards card, not a debt card.
The APR can run above 33%, so it's a rewards card, not a debt card.
The APR can run above 33%, so it's a rewards card, not a debt card.
The APR can run above 33%, so it's a rewards card, not a debt card.
The APR can run above 33%, so it's a rewards card, not a debt card.
The APR can run above 33%, so it's a rewards card, not a debt card.
Paying and contacting Synchrony
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Synchrony cards → · Search all cards
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