Find your way to pay

Choose from a variety of flexible payment options.

Retail credit cards and financing

Shop at thousands of your favorite stores and brands we partner with all across the country.

Retail credit cards and financing

Buy now, pay later

Synchrony Pay Later gives you the power to make purchases today and pay them off over time in predictable equal payments.

 Buy now, pay later

Learn about our networks

Shop at thousands of retailers across the country with a Synchrony HOME™ or Synchrony Car Care™ credit card.

Learn about our networks
Synchrony Premier MasterCard Wallethub Best Award - 2023 Best 2% cash back card

Earn 2%
cash back* —

with the Synchrony Premier Mastercard®

The Synchrony Premier Mastercard earns you 2% cash back on every single purchase. Yep, even that one.

Apply now
CareCredit a Synchrony Solution
CareCredit a Synchrony Solution

Healthcare financing for you, your family and your pets.

The CareCredit credit card offers flexible financing options to help you pay for a wide range of health and wellness costs including medical, dental, vision, pet care, and more.

For your business

Big impact for your customers

For your business

Big impact for your customers

Synchrony provides payment solutions your customers can count on so you can focus on what matters — your business.

Your business is our business

You give your customers what they need and want in life. We give them a way to pay for it. See how we do it.

Big solutions for small businesses

We offer tools, resources, and a range of solutions for small businesses.

Questions?

Contact us to learn how our consumer financing products can help you attract more customers and increase sales.

Credit offers cannot be combined.

 

**For Appliances: No Interest if Paid in Full within 12 Months. Offer applies to Appliance purchase or order of $299 or more made on your MyLowe's Rewards Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Minimum monthly payments required. No interest will be assessed on the promotional purchase if you pay the promotional purchase in full within 12 months from the purchase date. If you do not, interest will be assessed on the promotional purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payment may or may not pay off purchase by end of promotional period. Some or all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. For New Accounts: As of 3/7/24, Purchase APR is 31.99% and Penalty APR is 36.99%. Minimum interest charge is $2.00. Existing cardholders should see their credit card agreement for their applicable terms. Only 1 credit related promotional offer can be applied to any one item on a sales receipt. The “purchase date” for an item is the date it is charged to your account. Your account will be charged immediately for an item, unless otherwise provided on your order sales receipt. Offer subject to credit approval and cannot be combined with any other credit-related offers. If your purchase or order is over the minimum purchase required, you will be asked to select the offer you would like. We reserve the right to discontinue or alter the terms of these offers any time. Excludes Lowe’s® Business Credit Accounts and Lowe’s® Visa® Accounts.

 

*DISCLOSURES:

ANNUAL PERCENTAGE YIELD (APY): All APYs are accurate as of .

APYs are subject to change at any time without notice. Offers apply to personal accounts only. Charges for specific services may reduce earnings. For High Yield Savings Accounts, the rate may change after the account is opened. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time.

*Subject to credit approval. Minimum monthly payments required. Gas station purchases are not eligible for Promotional Financing. For Promotional Financing details click here

NATIONAL AVERAGE: National Average APYs are based on specific product types of top 50 U.S. banks (ranked by total deposits) provided by Curinos LLC through 05/01/2025. High Yield Savings Rates: Average APYs are based on High Yield Savings Accounts of $10,000. Curinos data is obtained from public sources; accuracy and completeness is not guaranteed. Curinos is not liable for reliance on the data.

FDIC INSURANCE: up to $250,000 per depositor, per insured bank, for each ownership category.

Account Opening Offer: Subject to credit approval. To apply, you must be a Verizon wireless Account Owner or Account Manager on an account with up to 12 phone lines max (depending on plan) or Fios Account Owner with at least one active Fios service. In order to qualify for this offer, you must (i) apply and be approved for a Verizon Visa Signature® Card account; (ii) make your first purchase within 90 days to receive a $50 statement credit, and(iii) make $1,500 in qualifying purchases within the first 90 days of account opening to receive the $100 statement credit. Only one offer per account. Account must remain open and in good standing at time statement credit is applied to the Account. A $50 statement credit will post to account 1-2 billing cycles after first purchase is made. A $100 statement credit will post to account 1-2 billing cycles after the spend threshold of $1,500 is met within 90 days. Statement credit(s) cannot be used to satisfy the required monthly payment on your credit card account and may not be redeemed for cash or cash equivalent. This offer is available for applicants who are approved starting 1/23/2025. We reserve the right to discontinue or alter the terms of this offer at any time. Limited time offer.