Synchrony · Mastercard

Synchrony FLEX Card

Credit

$0 Annual Fee

21.24%–31.24% Variable Purchase APR

580+ Recommended FICO

Benefits & Protections

Benefit	Category	Value / Coverage
Online Account Management Secure online access to manage account details, view statements, make payments, and monitor account activity 24/7.	Financial	Complimentary
Identity Theft Protection Resources Access to resources and support in the event of identity theft, including assistance with reporting and recovery steps.	Security	Complimentary
Zero Fraud Liability Cardholders are not responsible for unauthorized charges made with their Synchrony FLEX Card, providing protection against fraudulent activity.	Security	No liability

Interest Rates

Purchase APR21.24%–31.24% Variable

Cash Advance APR31.24%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: No interest will be assessed on the promotional purchase if you pay the promotional purchase amount in full within the promotional period. If you do not, interest will be assessed on the promotional purchase from the date of purchase.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeNone

Cash Advance FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Co-ApplicantNot allowed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 7 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, rapid application for multiple Synchrony products (especially within 90 days), high cumulative credit limit across all Synchrony accounts, repeated balance transfers without new spending, missed payments, or significant changes in credit profile indicating increased risk.

Cliff Effect Rules

While Synchrony does not enforce strict 'card family' rules like some major issuers, approval for new Synchrony products, including the Flex card, can be impacted by the number of existing Synchrony accounts and the total credit extended. Reallocation of credit limits between Synchrony cards is possible but not guaranteed. Excessive credit lines across Synchrony products may lead to lower initial limits on new cards or application denials, particularly if total exposure is deemed too high.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Bonus Rule: Earn $200 cash back after spending $1,000 on purchases within the first 3 months of account opening. Application Rules: Applicants must be at least 18 years old, a U.S. resident with a valid Social Security Number or ITIN, and demonstrate sufficient income. A good to excellent credit score (typically FICO 670+) is generally required for approval. Synchrony may approve multiple cards, but new applications are subject to a review of existing Synchrony credit lines and recent application history, including applications within the last 90 days.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Synchrony offers a 6% interest rate cap on eligible pre-service obligations for active duty servicemembers under the Servicemembers Civil Relief Act (SCRA).

Hardship Program

Hardship program available.

Synchrony

Annual Fee

Apply Now

You will be redirected to the issuer's secure website.

APR 21.24%–31.24% Variable

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