Automatic 3% back in your top spending category each month, managed in the Venmo app.
Rates, fees and offers
- Regular APR
- 27.74%–35.99% variable
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- See Synchrony's terms
- Rewards
- 3% back in your top eligible spending category each month, 2% in the next, 1% 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
High APR ceiling (up to 35.99%). Pay in full each month.
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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