Synchrony Secured Credit Card

Synchrony Visa Pending

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5

Benefits

1

Reward Categories

1x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: synchrony-build-credit-card

Issuer: Synchrony

Card Name: Synchrony Secured Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:19

Last Scraped: Feb 05, 2026 12:54

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Other Purchases 1x Cash Back Earn 1% cash back on every purchase. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Credit Building 2
Potential for Credit Limit Increases
Increases available

Cardholders may be eligible for credit limit increases over time, based on responsible account management and payment history.

Free FICO® Score Access
Free access

Cardholders can access their FICO® Score for free, helping them monitor their credit health and progress.

Financial 2
No Annual Fee
No annual fee

The Synchrony Build credit card does not charge an annual fee, allowing cardholders to save money each year.

No Security Deposit Required
No security deposit

Unlike many credit-building cards, the Synchrony Build credit card does not require an upfront security deposit to open the account.

Security 1
Fraud Protection
Protection against unauthorized charges

Cardholders are protected against unauthorized charges with standard fraud protection measures.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $29.00
Year 1 Waived: No
Effective Annual Fee: $29.00
Penalty APR: 0.00%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Synchrony Build Credit Card for 2026 is designed for individuals with limited or developing credit histories. Eligibility requirements include being at least 18 years old, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating the ability to make payments. This card typically does not offer a traditional sign-up bonus; instead, its primary benefit is the opportunity to establish and improve credit through responsible usage, leading to potential credit limit increases or graduation to other Synchrony products. While Synchrony is known for store-specific restrictions on its co-branded cards, this direct 'build credit' product aims for broader acceptance and focuses on general credit building.

Max Cards Per Issuer: 2

Min Spend Interval: Not applicable; this card focuses on long-term credit building rather than short-term bonus spend requirements.

Shutdown Risk Triggers: Common triggers for account review or shutdown include missed or late payments, exceeding credit limits, consistently high credit utilization (especially above 30%), rapid application for multiple Synchrony products, suspected manufactured spending (though less common for this card type), and any activity deemed fraudulent or high-risk by Synchrony. High cumulative credit limits across multiple Synchrony accounts can also trigger internal reviews.

Cliff Effect Rules: Synchrony does not have explicit 'card family' bonus restrictions like some other issuers. However, an individual's overall credit exposure and payment history across all Synchrony accounts (including co-branded store cards) are continuously assessed. Accumulating too many Synchrony accounts or high credit limits can lead to difficulty in obtaining new cards, credit limit reductions, or account reviews/shutdowns if internal risk thresholds are met, even if individual accounts are in good standing.

Special Events: Not applicable for this general-purpose credit-building card. However, Synchrony's extensive portfolio of co-branded store cards frequently offers specific in-store promotions, financing deals, and loyalty program events, particularly around major sales periods.

Holiday Promos: Not applicable for this specific card's core function. Synchrony's co-branded store cards, however, are highly active with promotional financing and discounts during major holiday shopping periods (e.g., Black Friday, Cyber Monday, Christmas, Memorial Day, Labor Day).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval for those with limited or poor credit, no annual fee, no security deposit, reports to all major credit bureaus, and provides access to FICO scores to help monitor progress.

Top Negative:
High APR, low initial credit limits, and lacks rewards programs common with other cards.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Discover it® Secured Credit Card
  • Capital One Platinum Secured Credit Card
  • Petal® 1 'No Annual Fee' Visa® Credit Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0