Synchrony Build Credit Card
Basic Information
Program ID: synchrony-build-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Unknown
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:19
Last Scraped: 01/15/2026 07:58
Fee Structure
| Annual Fee: | $69.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $69.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No sign-up bonus (welcome offer) is currently advertised for the Synchrony Build Credit Card. This card is primarily designed for building credit, and traditional rewards bonuses are not typically offered.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 0.00%
Bonus Categories: None
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back does not expire as long as account is active.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 600 - 700
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: This card does not offer a traditional sign-up bonus. The primary benefit is the opportunity to establish or rebuild credit history through responsible usage, potentially leading to credit limit increases and graduation to unsecured products. Eligibility requirements for the Synchrony Build Credit Card include being 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). It is primarily designed for individuals with limited, fair, or rebuilding credit histories (e.g., FICO scores typically below 670). Applicants must demonstrate a stable income source and generally should not have recent bankruptcies (within the last 2-3 years) or active charge-offs. Approval may initially result in a secured card requiring a security deposit, or an unsecured card with a very low initial credit limit. Store-specific restrictions apply, meaning certain benefits, rewards, or promotional financing offers may be limited to or enhanced at Synchrony's network of partner retailers, and card usage may be subject to specific merchant terms.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: Not applicable; this card typically does not feature a traditional sign-up bonus requiring minimum spend.
Shutdown Risk Triggers: Manufactured spending, consistent high credit utilization across Synchrony accounts, multiple recent applications for Synchrony products, sudden drastic changes in spending patterns, non-payment or frequent late payments, suspected bust-out behavior, providing inaccurate information on applications, or exceeding Synchrony's internal credit exposure limits.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy approval for those with fair/poor credit; helps build credit history and improve credit scores over time.
Top Negative Feedback:
High APR and potential fees; customer service can be challenging; low initial credit limits.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Discover it Secured Card
- Capital One Platinum Secured Credit Card
- Petal 1 Visa Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $15.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 18 months
Store vs Co-brand: 90% General / 10% Store
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0