Program ID: synchrony-flex-credit-card

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 09:58

Last Scraped: Feb 17, 2026 09:59

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 2x

Categories: 2% cash back on your top 2 spend categories each month, automatically. 1% cash back on all other purchases.

Quarterly Rotating: No

Cap Amount: $2,500.00

Expiration Policy: Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

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

Standard APR

Intro APR Offers

Rules: Eligibility: Applicants must be 18 years or older (19 in AL/NE), a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate a good to excellent credit history. Income verification may be required. Bonus Rule (Hypothetical for 2026): Earn $200 cash back after spending $1,500 on purchases within the first 3 months of account opening. Application Rules: Standard credit application process, subject to Synchrony's credit approval criteria. While existing Synchrony cardholders may have an established relationship, approval is not guaranteed. Store-specific restrictions imply that certain enhanced benefits, higher reward rates, or special financing offers may only apply when the card is used at designated Synchrony retail partners.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Cliff Effect Rules: Synchrony does not typically enforce 'card family' bonus eligibility rules similar to some other major issuers. However, general application velocity rules apply, meaning approval for new Synchrony accounts may be impacted by the number of existing Synchrony accounts and overall credit exposure. Specific store-partner benefits or promotional offers associated with the 'Flex' card may not stack or may be mutually exclusive with benefits from other Synchrony store cards.

Special Events: The Synchrony Flex Credit Card may offer enhanced reward rates, special financing options, or exclusive discounts during promotional periods at select Synchrony retail partners. These events are typically announced by the individual retailers or Synchrony directly and often align with major shopping seasons or store-specific sales.

Holiday Promos: Expect increased promotional activity and potential bonus offers during major shopping holidays such as Black Friday, Cyber Monday, the broader Christmas/Holiday Season, and other seasonal sales events (e.g., Back-to-School, Memorial Day, Labor Day).

International Friendly: Yes

User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval for store cards, good promotional financing offers, useful for specific retail purchases.

Top Negative:
High interest rates after promotional periods, customer service can be inconsistent, limited rewards outside specific stores.

Approval Experience: 65.0 / 100

Recommended Alternatives

• Chase Freedom Unlimited
• Capital One Quicksilver
• Discover it Cash Back

Card Value Score: 60.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 75.0%

Version ID: v1.0