Personal Credit Cards

You've got so much happening in your busy life, isn't it nice when you find a way to make things simple? Whether you're grocery shopping, buying a big-ticket item, or taking care of recurring expenses, we have a credit card that's designed with your needs in mind. There are lots of choices, with lots of valuable benefits, like cash rewards, points for travel, and more. See for yourself, and apply today.

Important disclosure information

Credit cards are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts.

Request Card Terms
If you already have a personal credit card with us, you can receive the terms of your card upon request. You can call us at 1-888-SYNOVUS (1-888-796-6887) or make your request in writing to:

Card Services
P.O. Box 23061
Columbus, GA 31902-3061

The service marks and trademarks used herein belong to their respective owners.

All credit cards are subject to credit approval.

  1. On purchases, balance transfers and overdraft protection transactions, a 0% introductory APR for the first 6 months from account opening and after that a variable APR of 15.49%-24.99% (as of July 31, 2023), based on your creditworthiness and other factors. On Cash Advances (except overdraft protection transactions), a variable APR of 24.99% (as of July 31, 2023). The cash advance transaction fee is 5% of the cash advance ($10 minimum), except on overdraft protection transactions, for which on consumer cards is 5% of the amount of the overdraft protection transaction, with a minimum of $5. The foreign transaction fee is 3% of the transaction (including transactions made in U.S. dollars and cross border transactions). The international transaction fee does not apply to the Travel Rewards card. Back
  2. There is no annual fee for the Rewards Visa, Cash Rewards Visa or Classic Visa. For the Travel Rewards Visa, cardholders receive a $0 introductory Annual Rewards Membership fee for one year. After that a $50 annual fee applies. Back
  3. Rewards can only be earned and redeemed when the account is active and in good standing. Rewards are earned on qualifying net purchases (spend), which are purchases minus returns Back
  4. Your Dynamic Earn category will default to gas purchases. You will have until the last day of the current quarter to change your selection for the following quarter. Back
  5. Rewards are based on availability. Selection may vary and is subject to change. Back
  6. Rewards can be redeemed and applied as a statement credit toward the balance of the credit card account and do not replace monthly payments; or can be deposited to a Synovus Bank personal checking or savings account. Back
  7. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Back

Interested in a personal credit card?

Visit your local branch

More details are available in the Cardholder Agreement or listing of Rates & Fees.

Here's more you can do with your credit card

Take control of your credit card with these features:

My Synovus


Digital Wallets


Personal credit card customers can opt-in to have their FICO® Score7 included on their statement to see their credit strength each month.

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Learn where your credit score comes from and how to check your credit report.

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