The Synchrony is a personal credit card from Synchrony. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is Fixed amount plus the Prime Rate (set during application). Approval typically requires a credit score of 640 or higher. Signup bonus: $35 cash back upon account opening (awarded as OnePay Points once approved). Rewards: Walmart+ members earn unlimited 5% cash back at Walmart; 3% cash back at Walmart for others; 3% on all other purchases for the first 90 days after account opening, then 1.5% everywhere else; earned as OnePay Points. Cash back: 5% at Walmart with Walmart+, 3% at Walmart without W+, 1.5% everywhere else (no caps). Typical credit limit: $2,000 - $10,000+ (community datapoints: $8,000 on 763 FICO, $9,000 reported). This product reports activity to your personal credit report. Application rules: Soft-pull pre-approval reveals limit BEFORE you accept. After accepting, hard pull goes to Equifax (community-confirmed via credit-freeze test). No authorized users supported. No virtual card on approval — must wait for physical card.. Issued by Synchrony Bank, World Mastercard network. OnePay is the fintech front-end (formerly Walmart-backed). Replaces the dead Capital One Walmart Rewards card. Rewards post fast (1-3 days post-settle). Managed in OnePay app, not Synchrony portal. Budgeting-app sync (Rocket Money / YNAB / Monarch) is spotty. Sam's Club, third-party Walmart.com sellers, and stores-inside-Walmart (e.g. Subway) do NOT count as Walmart for the 5% tier. Approval datapoints: $8K limit at 763 FICO with prior Synchrony history; $9K reported by community member.