The best Synchrony Financial credit cards of 2019

Man shops in hardware store using the best Synchrony Financial credit cards Man shops in hardware store using the best Synchrony Financial credit cards Image:

In a Nutshell

Wherever you shop, it's likely that the retailer has a credit card. If so, chances are it's a Synchrony Financial card. See the best Synchrony Financial credit cards of 2019 here.

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At a glance: The best Synchrony Financial credit cards of 2019

Best financing terms Amazon Prime Store Card
Best gas rewards Sam’s Club® MasterCard®
Best for online shoppers Ebates Cash Back Visa® Credit Card
Best for DIY rewards Lowe’s Advantage Card

Store credit cards can help build credit but can also be restrictive.

According to The Nilson Report, a payment systems industry newsletter, Synchrony Financial was the largest issuer of private-label credit cards in the U.S. in 2014. But despite its large portfolio, it has no cards under its own name.

“You will often see Synchrony cards under the label of major retailers and other brands,” says credit card expert Jason Steele. “You’ll have to read the fine print to realize that it’s Synchrony issuing the card.”

These store credit cards are a great way to establish or rebuild credit, Steele says. That said, they generally come with higher interest rates than the average credit card, so it’s even more important to pay off your bill in full each month.

3 easier approval credit cards to help you rebuild credit

Some store cards also restrict you to using it only at that retailer. These are known as closed-loop cards. This may not be an issue if you shop there often, but make sure you have a backup credit card for other spending.

Best financing terms: Amazon Prime Store Card

Who’s it for?

Amazon Prime members who spend a lot of money at

Why we like it

With the Amazon Prime Store Card, you’ll earn 5% back (as a statement credit) on every purchase you make on

With bigger purchases, you’ll have the choice between getting the cash back or special financing.

For purchases of $149 or more, you can get six months’ worth of no interest if paid in full by the end of six months. If your purchase costs more than $599, you’ll get 12 months’ no interest if paid in full at the end of the financing period.

And some items come with 0% interest for 24 months if paid in full. Minimum monthly payments are required for all three options.

Compare Amazon credit cards

Watch out for

The nature of the card’s special financing is deferred interest. That means if you don’t pay off the purchase in full before the financing period is over, Synchrony will charge interest based on the original balance.

The card is only for Amazon Prime members. If you cancel your Prime membership down the road, you’ll be downgraded to the Store Card. You’ll still get the special financing benefits but no rewards.

How to use it often has deals, especially around the holidays and the site’s annual Prime Day. Use your card to essentially get a deeper discount with the cash back or get some extra time to pay off a big purchase.

You can use the Amazon Prime Store Card on and most U.S. sites that accepts Amazon Pay. You’ll still get the promotional financing with some of the listed retailers, but you won’t earn any rewards on those purchases.

Best gas rewards: Sam’s Club® MasterCard®

Who’s it for?

Sam’s Club members who spend a lot on gas.

Why we like it

The Sam’s Club® MasterCard® offers 5% cash back on up to $6,000 in gas purchases each year, then 1%. You’re not restricted to just Sam’s Club gas stations, either.

You’ll also earn 3% back on travel and dining purchases (excluding purchases at wholesale clubs other than Sam’s Club) and 1% back on everything else. Maximum of $5,000 in cash back rewards can be earned each year. That’s not bad for no annual fee.

Watch out for

You must be a Sam’s Club member to get the card. You also don’t get any bonus rewards for Sam’s Club purchases, so you may want a backup card with a better rewards rate to use there.

Also, you’ll lose your earned cash back if you cancel your card or let your Sam’s Club membership lapse.

How to use it

Know the terms and conditions before using the card for gas purchases. The card doesn’t offer bonus rewards on gas purchased at other wholesale clubs, certain big box stores and supermarkets.

You’ll get your cash back in the form of a check once a year in February. The check is only good at Sam’s Club, where you can use it to pay for merchandise or you can cash it.

Best for online shoppers: Ebates Cash Back Visa® Credit Card

Who’s it for?

Online shoppers who use the Ebates cash back portal.

Why we like it

You don’t need the Ebates Cash Back Visa® Credit Card to score cash back when shopping online through Ebates. But the card does give you an extra 3% cash back on qualifying purchases through the shopping portal.

Watch out for

Ebates isn’t the only cash back portal out there, and it doesn’t always have the best deals. If you’re always looking to maximize your cash back, you may be missing out on better deals if you always use Ebates.

The card also offers only 1% cash back on non-Ebates purchases, so you may want another card with better rewards for everyday purchases.

How to use it

If you aren’t used to it, it can be hard to remember to use Ebates every time you’re shopping online.

To make sure you’re not missing out on the extra cash back from the shopping portal and your Ebates Cash Back Visa® Credit Card, add the Ebates Cash Back Button to your Chrome browser.

This extension will trigger a notification every time you’re on a website where Ebates offers cash back. You can then click the button to activate your cash back. Just be sure to use your Ebates card at checkout to get the bonus rewards.

Best for DIY rewards: Lowe’s Advantage Card

Who’s it for?

DIY enthusiasts who frequently shop at Lowe’s.

Why we like it

Instead of cash back, you’ll get a 5% discount on any Lowe’s purchase using the card. For purchases of $299, you’re eligible for six months’ special financing.

For more massive project-related purchases, you can request project financing, which lets you choose between a 36-, 60- or 84-month repayment period at a reduced interest rate.

Watch out for

Like other special financing deals, you’ll want to be sure to pay off the purchase in full before your promotional period is up. Otherwise, you’ll get charged interest on the original amount. You also can’t use this card anywhere but Lowe’s, limiting its value.

How to use it

Use the card strictly for its 5% discount if you can. If you’re planning a big renovation and don’t have the cash now to pay for it, use the card’s project financing only if you can’t qualify for a card that offers a long intro 0% intro APR promotion.

Bottom line

“The right Synchrony card will be with a retailer that you already shop with a lot,” Steele says, “or one where you have a particular need to finance a large purchase.”

Always make sure to read the fine print, though, to know if the card is closed loop or if you can use it elsewhere. If you don’t want multiple credit cards or you’re working to rebuild credit and trying to limit your credit inquiries, you may want a card that you can use everywhere.