Synovus Bank Credit Card Reviews, Rules & Opinions

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Updated: June 12, 2024

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Synovus Bank is a full-service financial institution offering four different personal credit cards and three business credit cards. Their personal credit card line features a classic, rewards, travel and cashback card, while their business line has a classic, rewards and travel card. They also have personal credit cards available from Oakstone, Assent and First Digital.

Featured Credit Cards Offered by Synovus Bank

  • Credit Card
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
    Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
  • First Digital Mastercard®
    First Digital Mastercard®
    Fair Credit
  • OakStone Gold Secured Mastercard®
    OakStone Gold Secured Mastercard®
  • OakStone Platinum Secured Mastercard®
    OakStone Platinum Secured Mastercard®

Other Cards Issued by Synovus Bank

Beyond the featured cards listed above, Synovus Bank offers the following credit cards:

  • Synovus Travel Rewards Visa® Credit Card: Best for those who want to earn travel rewards quickly
  • Synovus Rewards Visa® Credit Card: Best for those who want an affordable rewards card that can earn points in a category of their choice
  • Synovus Cash Rewards Visa® Credit Card: Best for those who want to earn cash back in a category of their choice
  • Synovus Classic Visa® Credit Card: Best for those who want a straightforward credit card for credit building

The Best Synovus Bank Credit Cards in 2024

Synovus Bank offers a straightforward line of credit cards for both personal and business use. All seven of their credit cards offer a 0% intro purchase APR for the first six months, all of which can be managed through Syonvus’ online platform.

OakStone Gold Secured Mastercard®

Min. Security Deposit$200
APR14.74% Variable
Annual Fee$39
Recommended CreditNone–Poor
OakStone Platinum Secured Mastercard®

Min. Security Deposit$200
APR9.99% Variable
Annual Fee$49
Recommended CreditNone–Poor
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card

Min. Security Deposit$200
APR29.24% variable
Annual Fee$0
Recommended Credit(No Credit History)

Rules for Applying, Acceptance & Welcome Bonuses

Applying for any Synovus Bank credit card is fairly straightforward, but keep in mind that like any card, your application is subject to approval.

What is the accepted credit score range for most cards?
How many cards can you own?
How many times can you apply?
How many times can you get approved?
How many times can you claim the welcome bonus?

Other Considerations About Synovus Bank

Prior to applying for a credit card at Synovus Bank, there are different factors to consider to determine if their products are right for you, including customer service and value or rewards earned.


Customer Service & Satisfaction

Customer satisfaction is an important factor to consider when selecting a bank, as they are responsible for handling your money. In the 2021 U.S. Retail Banking Satisfaction Study from J.D. power, Synovus ranked fourth in the Southeast category with a score of 844. This is lower than their score of 850 and ranking of second in 2020, which indicates that their customer satisfaction has dipped, albeit slightly.

Synovus’ customer service can be reached via phone or email, and they have different support lines for different purposes.

Mobile Apps & Online Services

The mySynovus platform is designed for personal and business credit card users. They can make payments, see their balance and transaction details, manage their account and receive account alerts as they please. It can be accessed via the web or their mobile app, which can be downloaded on iOS or Android.

User ratings on both Google Play and Apple App Store are high at 4.7 and 4.8, respectively.

Security & Credit Monitoring Services

Aside from securing your information through standard firewalls, monitoring and 128-bit Secure Sockets Layer (SSL) encryptions, they also require a security token at login and implement rigorous security standards. If you suspect you are a victim of fraud, you can contact their emergency hotline.

In terms of credit monitoring, users can opt to have their FICO Score included on their statement.

Loyalty Programs & Other Issuer Perks

While Synovus does not feature any loyalty program, credit card holders get to benefit from Visa benefits, as most of the bank’s cards are under Visa.

Some of these benefits include travel accident insurance, auto rental insurance, hotel theft protection, travel and emergency assistance services, lost luggage reimbursement and more.

Authorized Users

For personal credit card holders, Synovus Bank allows one joint applicant and 22 authorized users.

For business accounts, a user can have 23 cards at the time of application, with five guarantor and 18 employee cards. After the establishment of the account, you can add up to 2 more cards.

Overall Opinion of Synovus Bank & Their Credit Card Offerings

Synovus Bank’s line of credit cards offer straightforward perks that can benefit your everyday spending. Both their rewards and cash back cards let you choose from their Dynamic Earn categories, so you can save on expenses you spend the most in. However, note that they do not offer any enticing welcome bonus aside from their 0% introductory APR, which is limited to the line of credit cards from the bank itself.

Given their range of cards and card offerings, cards from this provider may be suitable for the following people:

    badCredit icon

    An individual trying to build credit

    The Oakstone Gold and Platinum cards have no minimum credit requirement and thus, are perfect for those who are focused on building their credit.

    rewards icon

    An individual who wants dynamic rewards

    Synovus’ line of rewards cards let you change your rewards categories each month, which is perfect for those who want to take advantage of their big spending habits in different categories.

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While Synovus Bank is not a large issuer like Chase or American Express, its offerings are solid for consumers looking for simplicity. Each of the cards comes with a great 0% intro APR for the first six months, which is helpful if you need short-term flexibility for a large purchase. However, if you don’t need that offer, it may be a better decision to choose a card with a valuable welcome offer in the form of travel rewards or cash back.

- Lee Huffman, credit card expert at

Still Not Sure About This Issuer? Consider These Options.

Synovus Bank isn’t the only option for those in the Southeast area. If you’re still on the fence, check out other credit cards and their providers to find a credit card that meets your criteria.

Learn More About Credit Cards in General

About Doug Milnes, CFA

Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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