Get a head start on savings
Enjoy 0% APR for the first 6 months for purchases, balance transfers and overdraft protection
Get cash back on what you already buy
Sign up for a Synovus Cash Rewards Visa® Credit Card and let your spending today help pay for your spending tomorrow. The rewards rack up fast and are easily manageable from your My Synovus2 account. You’ll also enjoy security features that help protect against unwanted surprises.
Redeem your rewards how you like
The perks you’ll get
Freedom from fees
Get all these benefits with no annual or balance transfer fees.
Manage everything from My Synovus
Review your account information and transaction details, make online payments and receive email alerts and online statements through My Synovus2
Turn these benefits up a notch
Join one of our relationship banking programs and get greater rewards. Visit our Synovus Plus and Inspire pages for details.
Enjoy a little peace of mind
See all the Visa® benefits that provide a safety net to your daily life, including:
Sign up for the Synovus Cash Rewards Visa® Credit Card and see how far your travel can take you.
Ways to manage your credit card
My Synovus
Use our digital banking platform2 to handle everything from making payments to redeeming rewards.
Alerts
Learn how to set up real-time notifications about your account activity.9
Tap to pay
Buying the things you need is easier and safer with contactless payments. All it takes is a tap at checkout, either with your contactless credit card or digital wallet.
FAQs
Get detailed answers to your questions about managing a Synovus credit card.
Keep your credit score top of mind
Primary cardholders can opt in to have their FICO® Score10 included on their statement to see their credit health each month.
What does my credit score mean?
Learn where your credit score comes from and how to check your credit report. Read more
Do you know how your credit score is calculated?
Still considering your options?
Important disclosure information
Credit cards are issued by Synovus Bank, 33 West 14th Street, 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 (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.
- 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
- Minimum system requirements: For mobile apps, iOS® 11 and above or Android™ version 5 and above. My Synovus supports the most recent versions of Internet Explorer, Microsoft Edge, Chrome, Firefox, and Safari and any previous versions that are still supported by Microsoft, Google, Mozilla, and Apple respectively. Use of the My Synovus mobile app requires your mobile service provider’s data and /or text plan. Message and data rates may apply. Back
- 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
- 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
- You may transfer points (not account credits) to Synovus Rewards Visa, Synovus Travel Rewards Visa, Synovus Travel Rewards Visa Signature, Synovus Business Rewards Visa, or Synovus Business Travel Rewards Visa Credit Card accounts. Transferring points is free and can be initiated through synovus.com on the rewards page or by calling the Redemption Center. Points may be transferred in any amount (up to the total points balance) and can only be transferred to card accounts that are open and in good standing. Back
- 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 15.99%-24.99% (as of October 31, 2025), based on your creditworthiness and other factors. On Cash Advances (except overdraft protection transactions), a variable APR of 24.99% (as of October 31, 2025). 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 foreign fee does not apply to the Travel Rewards card. Back
- Any vehicle with wheels is covered under the program as long as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT covered under this program. Back
- Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail. Financial institutions may exclude from the Zero Liability policy a transaction made by a person authorized to transact business on the account and/or a transaction made by a cardholder that exceeds the authority given by the account owner. Back
- Transactions made using a PIN number instead of a signature are not eligible to receive this alert-type. Back
- FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Back