Updated: July 26, 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.
| Credit Card | MoneyGeek Rating | About | Rewards Rate | Annual Fee | Credit Needed |
|---|---|---|---|---|---|
| Best for those looking for a credit-boosting card with a 0% intro APR | N/A | $0 | (No Credit History) | ||
| Credit building with cash back. | Earn 1% cash back Earn 1% cash back rewards on payments made to your First Digital Credit Card | $75.00 for first year After that, $48.00 annually. | N/A | ||
| A secured credit card meant for people with poor or no credit histories | N/A | $39 | None–Poor | ||
| An excellent secured credit card with no credit score requirement | N/A | $49 | None–Poor |
Beyond the featured cards listed above, Synovus Bank offers the following credit cards:
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.
Applying for any Synovus Bank credit card is fairly straightforward, but keep in mind that like any card, your application is subject to approval.
The accepted credit score range varies, as there are different Synovus Bank cards. However, for the OakStone Gold Secured Mastercard, the OakStone Platinum Secured Mastercard® and the Assent Platinum 0% Intro Rate Mastercard, users are encouraged to apply regardless of their credit score, as there are no minimum credit score requirements.
Conversely, following the FICO scoring system, a good credit score is one that falls between 661 and 780. If you’re applying for a Synovus Card native to the bank, a credit score of 601 and above is recommended.
At Synovus, you can own more than one personal and business credit card. For business cards, you can have up to 25 authorized user cards for yourself and your employees.
Synovus Bank does not specify how many active applications you can have at any given time, nor do they clarify how many times you can apply. Typically, you can apply for a Synovus Bank credit card as often as you want, but know that you run the risk of rejection the more frequently you apply. A good rule of thumb is to wait at least 90 days between new credit card applications, but it is even better if you can wait six months.
There is no specific rule as to how many approvals you can get at Synovus Bank.
The only welcome bonus that Synovus offers on both their personal and business credit cards is the 0% APR on all purchases for the first six months of the card. If you get a new card, this introductory offer will only apply for the first six months, beginning at the life of that card.
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.
Feature | Description |
|---|---|
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. |
Purchase Protection | Certain Synovus cards feature purchase protection, which can reimburse you for an item for a maximum of $500 per claim and $50,000 per card holder in case of theft, damage due to fire, vandalism or certain weather conditions. Purchase protection only applies to the Synovus Rewards Visa Credit Card and the Synovus Business Visa Credit Card. |
Co-Branding & Partnerships | Synovus has partnerships with Oakstone, Assent and First Digital. |
Other Products Offered | Synovus is a full-service financial institution offering checking, savings, money market accounts, certificates of deposit and health savings accounts. They also offer loans, financial planning, investment services, trust services and more. |
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:
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.
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.
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 BaldThoughts.com
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.
About Doug Milnes, CFA
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.
