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Synchrony Bank

4.5 Overall Score

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Synchrony Bank

Name: Synchrony Bank
Rating: 3.9

Is This Your Business?

3.9

star star star star star_border

44 User Reviews

4.5

Overall Score

Compare

3.9

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44 User Reviews

4.5

Overall Score

Compare

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LAST UPDATED: December 13th, 2023

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User Reviews

Star Rating

3.9

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44 Reviews

Review Breakdown

5 grade

59%

4 grade

11%

3 grade

2 grade

1 grade

20%

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Eddie Rios Ogden, UT

Synchrony Bank is a must have for your credit card wallet. I love the rates, and that it is accepted everywhere. they also make billing and payments simple online. Having this card is just smart as it is easy to manage through their great customer service.

4 years ago

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peggy cherry Fayetteville, NC

Synchrony finances everything. Its like a monopoly in the land. The process is easy and its convenient to have one bank for all your home purchase needs.

11 months ago

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Michelle Thomas Anaheim, CA

Awesome and amazing company. They are working with me on an issue that came up and their customer service team is fabulous. Everything is easy and done in a timely manner.

11 months ago

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M T Chicago, IL

This company has a great credit card that gave me low interest rates even though I had a low credit score at the time. I enjoy speaking with their staff because everyone is happy to help at anytime.

1 year ago

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M. Myers Flower Mound, TX

Very great credit cards! Very helpful customer service in my experience. Easy to use website and lots of different cards to choose from, there is something to fit every need.

5 years ago

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Cristina Cho Laguna Niguel, CA

I use Synchrony Bank for all unexpected medical and pet needs. It is nice to have wiggle room on zero interest for these bigger expenses. Their communication is great and they always notify you if you are nearing the deadline before interest occurs.

1 year ago

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Luke Swierczynski Waterford, MI

I have several credit cards through synchrony bank. I feel like they're partnered with a ton of different retailers. Especially love the amazon card I have through them. 5% back on all purchases or simplistic interest free payments. Makes shopping super convenient and saves quite a bit.

2 years ago

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Syl North Port, FL

Long time client of Synchrony Bank. Majority of my cards are from that company and I happy to have them. Never have any issues with their cards. Customer service is excellent. The employees are very friendly and helpful. Excellent service and worth trusting!

4 years ago

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Jauna Poindexter Missoula, MT

I wish I could give them ZERO stars... AWFUL customer service! Long wait to get to speak to an actual person, and then the guy had such a strong accent that it was hard to understand him, and he apparently didn't understand what I needed. I purchased furniture, using a 5yr no-interest store card that is Synchrony Home. The furniture was supposed to be delivered right away, and a month later I was told it was back-ordered two more months. The store returned the furniture, canceling the order no problem but told me that I had to call Synchrony directly and gave me an invoice showing it had been canceled. Synchrony said I still needed to make payments on this furniture that I NEVER got, and they would send me a check in the mail IF there were any overages????? Why should I make a payment on something I DO NOT HAVE and then wait to get my money back???? He wouldn't give me an email, fax number, or even the correct department who handles that to give to the furniture store WHO told ME to call them in the first place! Too bad the left and doesn't know that the right hand is about to slap the customer... and they've lost my business.

2 years ago

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Maya My McDonough, GA

So I recently found out that the credit cards that belong to Synchrony Bank are co-branded credit cards/store credit cards like Sam's Club Credit Card, the Lowe's Store Card, and the Amazon Store Card. I wish this was more properly explained by their representatives. I wouldn't have gotten a Sam's credit card had I understood I could've just gotten a Synchrony Bank credit card instead and used it for similar perks at Sam's.

1 year ago

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stephen sisemore Tulsa, OK

I enjoy the versatility of my Lowe's 5% Synchrony Bank card. The cashier gets my veteran's status on their screen once I use it and applies added discounts without even asking.

2 years ago

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Crystal B.

I got a Synchrony credit card when I purchased a new mattress. I dont use the card very often, but it's easy to make payments.

1 year ago

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Juana Lopez Stockton, CA

I had a few credit cards from Synchrony let me tell you, I will cancel every one them from the ones they did not cancel but lowered by limit for no reason. I had a Mastercard always paid on time and paid off every month. Only had it for about 6 months and they lowered my limit from 1100 to 250? They canceled my Amazon because if didn't use for a few months. AVOID this bank entirely.

2 years ago

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Tracey

HORRIBLE COMPANY!!! I used some of my OTHER credit cards at Christmas time.. so that dropped my credit score.. THIS bank decided to check my credit AGAIN without my permission and dropped my credit limit so it looked like I had 97% of my card used!! It cut my limit in more than HALF!! I’ve paid EVERY payment EARLY and above my minimum payment! I’ve NEVER in my life had a company DROP my credit limit!! I will be getting rid of this card ASAP!!

2 years ago

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Zac Cannon Long Beach, MS

I used Synchrony Bank to finance for my wife's wedding ring. I had a great deal and was able to pay off the ring within a year with ZERO interest!

4 years ago

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Jennifer Mallozzi Norwich, NY

This bank holds many of the different cards I had! They were willing to work with my to get my credit back in good standing!

11 months ago

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Joe White Dallas, TX

Synchrony Bank services my Old Navy account and I had a 10K credit like with them that they reduced to $200 when the pandemic hit. I figured they want to reduce the risk to their business and reduced a bunch of credit limits for anyone they deemed "risky." Not a big fan of the bank or their services, but kept the card open for small purchases but it really doesn't offer much rewards that I would want to utilize. They need to take a page of the Amazon book and understand how to really run and operate a rewards program!

1 year ago

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Veronica Lawton

Did not like them at all. Actually I had never heard of this Bank until I bought a Dishwasher from Big Sandy Superstore and they apparently used them for the financing which I did not know and they told me I would get a bill with a payment book in the mail never got one then got a phone call they were going to send me to collections if I didn’t make a payment? I tried to pay it off over the phone with my credit card and they would not except it so I had to go to my bank do a cashiers check to this bank overnight to pay it off caused me so much anxiety I told them to never call me again and inform Big Sandy of this. They stated they have never heard of them doing customers this way. Would not recommend doing any business with this Bank at all.

1 year ago

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Life of Frog South Bend, IN

Very easy creditor to work with. Credit Cards show up in the mail in a timely fashion, bill pay on their App is very easy and credits immediately. Customer service is helpful and friendly.

2 years ago

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Billy Webb TX

Best APR cards for Active military should have. The only department with Synchrony that is terrible is the Lowe's Pro. They will close your account while on deployment. Even though I am protected from any cards to be revoked they cliam it has to say that SCRA can't close a Lowe's Pro

2 years ago

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Deanna Moore Dumfries, VA

Synchrony Bank manages several "store card" accounts I have, mainly for furniture stores. Their terms are easy to understand, and I've never had any issues with them.

4 years ago

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Michelle W Coraopolis, PA

Synchrony is great! It's so versatile with the different companies that I finance my large purchases with and it's user friendly when making payments.

4 years ago

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Rischelle Mikkelson American Fork, UT

Synchrony credit cards are great to use anywhere Visa is accepted. They work just like any other credit card. They do have a preset amount on them (like a gift card) so you must know your balance.

5 years ago

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Minnie La Grange, IL

Don’t like them we pay our bills every month on time but they refuse to give credit when needed. And my partner has credit but when l apply they refuse can’t wait to pay them off so l can close those account try some one else for credit cards or loans

5 years ago

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Crystal Batavia, IL

One of my store credit cards is through Synchrony Bank and I haven't had any issues with them so far! Great customer service! Very happy customer!

1 year ago Edited April 4, 2023

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Jeff Barton Layton, UT

Bunch of jerks!!! If you got a card from one of their affilaites I suggest you refinance4 and close it right away. Never have I been treated so badly by a company for going just 5 days past my due date. Sometimes a few days is going to happen just because of paydays - they don't get that. Rude people on their phones.

2 years ago

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Shelton Germaine Rogers, AR

Wow, what a terrible company. I was briefly a customer of theirs several years ago. This was back when I was trying to establish credit. I didn't have any problems with the card its self but the customer service was WORST in class. It didn't take me long to understand that they view customers as trash and a waste of their time. I cancelled the card I had with them (sams club at the time) and from that day foward, I refuse to do business with this trash of a company.

2 years ago

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Reckholdt Magna, UT

I have a gap credit card through Synchrony bank and they have been great to work with. I missed a payment by 2 days because of an illness and they waived the late fee for me.

4 years ago

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MBA Dallas, TX

They cover most retailers. Customer service is quick to answer each time you call them.

1 year ago

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REBECCA Simi Valley, CA

This is very important to my lifestyle. I have a couple of cards with Synchrony and easy to work with.

1 year ago Edited April 27, 2023

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Tabitha Norman Dayton, OH

Love this credit card and the bank they use. Have had it for almost 3 years. Great company easy to get in contact with.

2 years ago

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Thawkes2017 AL

I use Synchrony for my Victoria’s Secret and Ulta card. I earn points to use towards future purchases also.

2 years ago

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Deanna Greco Murphy, NC

The service I have received from Synchrony Bank has been excellent. Great interest rates and terms.

2 years ago

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Myken Salt Lake City, UT

I have a Synchrony Bank credit card and have appreciated how easy it is to use and how many places it's accepted.

4 years ago

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Danielle Powell Long Beach, MS

Love the ability to use this at rooms to go. I was able to furnish my whole house at zero percent interest

4 years ago

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Tony's Babygirl Staton MO

Good bank for the online apps that is trustworthy with transferring funds with no fee.

1 year ago

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Patricia A Scott Long Beach, CA

Unethical and very poor quality of service. Should not be in financial services based upon numerous negative reviews by consumers who have been victims

5 years ago

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Pete Dizbon Sequim, WA

Great to deal with, 5 out of 5 stars !! Works perfectly with Amazon !!

2 years ago

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Ledena Cresin Radcliff, KY

Great company. Up front and honest. Great rates Reasonable monthly payments

2 years ago

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whitewolfowner Roswell, NM

They are terrible; they violate ADA and then lie to the CFPB who decides to believe their lies and leave me helpless.

4 years ago

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Ron Jennings Melbourne, FL

Excellent Service and low interest loans

1 year ago

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Fairygrl Alexandria, KY

All around great to work with, easy and efficient

2 years ago

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Susan Tabet Tehachapi, CA

Horrible. Their deferred interest program was deceptive and caused me financial hardship.

5 years ago

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T Havener Calhoun, TN

They manage my Amazon store card, very easy to talk to

2 years ago

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