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 Varies by creditworthiness (purchase APR disclosed in agreement). Approval typically requires a credit score of Fair (580+) or higher. Signup bonus: This card occasionally offers bonuses for new applicants that may change over time.. Rewards: Up to 4% cash back: 3% on dining and entertainment (plus 1% extra when you split the transaction in the app within 30 days), 3% when you pay with Venmo, 1% on everything else. Cash back: 3% cash back in your top spending category for the month, 2% back in your second-place spending category, 1% back on all other purchases. This product reports activity to your personal credit report. Pre-qualification available (soft pull). Post-intro APR: Varies by creditworthiness (purchase APR disclosed in agreement)