Flat 2% cash back with no annual fee.
Rates, fees and offers
- Regular APR
- 20.49%–33.24% variable
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- See Synchrony's terms
- Rewards
- 2% cash back on everything.
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 ceiling is high (up to 33.24%), so it suits people who pay in full.
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
Debt Sunset is not affiliated with or paid by any card issuer, and this page is not financial advice. Card names and art belong to their owners. See our Financial Disclaimer.