Financing

Easy application process. Quick credit decision.

Enjoy the luxury of time! With the Synchrony, you can make the special jewelry purchases you want today and pay over time.

Budget your large jewelry purchases for the big events and small moments. Take your purchase home today and make convenient monthly payments. Upgrade or buy more of what you really want using a dedicated credit limit. $0 fraud liability No annual fee1 Free access to your credit score.

Types Of Credit Promotions That May Be Available

One or more of these credit promotions may be available on qualifying purchases made with your Synchrony Bank credit card account. Check with your merchant for the specific promotion offered for your purchase.

NO INTEREST IF PAID IN FULL WITHIN PROMOTIONAL PERIOD (Deferred Interest)

The length of the promotional period will depend on the specific promotion offered by merchant. Interest at the rate of 29.99% will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period. To avoid late fees, you must make your Total Minimum Monthly Payments by the due date each month. These Minimum Monthly Payments may or may not pay off the promotional purchase before the end of the promotional period. To make sure that you are not charged the interest accrued at 29.99% you must pay the total promotional purchase amount within the promotional period.

INTEREST FREE AND EQUAL MONTHLY PAYMENTS REQUIRED UNTIL PAID IN FULL (No Interest)

An equal monthly payment amount will be required based on repayment over the term (number of months) of the promotional period.

REDUCED INTEREST RATE AND FIXED MONTHLY PAYMENTS REQUIRED UNTIL PAID IN FULL (Reduced Interest)

The reduced interest rate will depend on the specific promotion offered by merchant. A fixed monthly payment amount will be required based on repayment over the terms (number of months) of the promotional period.

Steps To Apply For A Synchrony Bank Credit Card

Step 1 Please follow these guidelines when completing your application:

Please have available two forms of ID that can be verified. If using a joint applicant, the joint applicant must be present and also provide two forms of ID.
Please include all forms of income from all full and part-time jobs, bonuses, commissions, and investments. You need only include child support, alimony, or separate maintenance income if you wish this income to be considered in your application.
Please note that you must reside in the United States and be 18 years of age or older to apply.

Step 2 Please complete the application.

Simple

Buy what you want with the flexibility of paying over time. Apply, and if approved, use your new credit card both today and in the future. *

Fast

Easy application process. Quick credit decision.

Valuable

Take advantage of special financing offers. * Ask about the offers available. Get special cardholder discounts, and early notice of retailer events and more.

Flexible

Convenient monthly payments let you pay over time. The mysynchrony.com website and mobile app let you check your balance and make payments, 24/7.

Get Started

When approved, you can start shopping today—even before you receive your actual card! In 7-10 days, you’ll receive a welcome kit, with your new card. Shop all you’d like, up to your credit limit. As a cardholder, you’ll have access to your FICO® Score, the MySynchrony mobile app, and access to discounts and special offers.

FICO® is a registered trademark of Fair Isaac Corporation in the United States.

Easy application process. Quick credit decision.

Types Of Credit Promotions That May Be Available

Steps To Apply For A Synchrony Bank Credit Card

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