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 32.99% (new accounts as of 5/30/2024) after a 0% introductory rate for 6 months. Rewards: Offers a CareCredit Rewards Mastercard variant that earns points on select purchases, depending on credit eligibility. Typical credit limit: Up to $25,000. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Pre-qualification available (soft pull)