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 ~19.99%+ variable (credit-based). Approval typically requires a credit score of Fair (580+) or higher. Rewards: 3% cash back on purchases made through PayPal checkout and 1.5% on other purchases wherever Mastercard is accepted. Cash back: 3% cash back when you check out with PayPal and 1.5% on all other Mastercard purchases.. This product reports activity to your personal credit report. Pre-qualification available (soft pull). BT Fee: Not available. Post-intro APR: ~19.99%+ variable (credit-based)