The Synchrony is a personal credit card from Synchrony. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 29.49% variable (as of 8/28/2026) after a 0% annual percentage rate (APR) introductory rate. Approval typically requires a credit score of at least 580 or higher. Signup bonus: Amazon Gift Card instantly upon approval. Rewards: 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership. Cash back: 5% back. This product reports activity to your personal credit report. EXPERT REFERENCE (Apr 2025): Amazon Store Card approved with no TransUnion FICO score, initial limit $600, increased to $5,000. | EXPERT REFERENCE (Apr 2025): Care Credit approved with TransUnion FICO score of 656, limit $5,000.