Credit Card Comparison Chart

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.

1. 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
2. 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 13.99%-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 transaction fee does not apply to the Travel Rewards card. Back
3. 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
4. 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
5. 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
6. Earn a $50 statement credit when you have at least $60,000 or more in net spend on your Synovus Travel Rewards Visa® credit card each anniversary year. Statement credits will generally be applied to your account within 3-5 days after the day or your anniversary in which the eligible transactions occurred, totaling $60,000 or more. Statement credits will not be awarded to an account for purchases during a billing cycle if your account is not open and current on the billing cycle closing date. The statement credit applies toward the balance and does not replace the monthly payment. You are responsible for any tax due on any amount received which is considered interest and will be reported on IRS form 1099-MISC. Back
7. Bonus points or bonus rewards will be applied to your rewards balance by the end of the month following the month in which you reach $3,000 in net spend. You must reach $3,000 in net spend within the first 90 days of account opening to qualify for the bonus points or bonus rewards. Bonus points or bonus rewards will not be awarded to your account for purchases during a billing cycle if your account is not open and current on the billing cycle closing date. The bonus points or bonus rewards have no cash value and require no tax form 1099. Back
8. $25 expedited card fee is waived for each card that is sent overnight for lost/stolen card replacement when requested. Back
9. Bonus points or bonus rewards will be applied to your rewards balance by the end of the month following the month in which you reach $5,000 in net spend. You must reach $5,000 in net spend within the first 90 days of credit card account opening to qualify for the bonus points or bonus rewards. Bonus points or bonus rewards will not be awarded to your account for purchases during a billing cycle if your account is not open and current on the billing cycle closing date. The bonus points or bonus rewards have no cash value and does not require a Form 1099-MISC. Back
10. Earn a $50 statement credit when you have at least $60,000 or more in net spend on your Synovus Travel Rewards Visa® credit card each anniversary year. Statement credits will generally be applied to your account within 3-5 days after the day or your anniversary in which the eligible transactions occurred, totaling $60,000 or more. Statement credits will not be awarded to an account for purchases during a billing cycle if your account is not open and current on the billing cycle closing date. The statement credit applies toward the balance and does not replace the monthly payment. You are responsible for any tax due on any amount received which is considered interest and will be reported on IRS form 1099-MISC. Back
11. Bonus points or bonus reward will be applied to your rewards balance by the end of the month following the month in which you reach $5,000 in net spend. You must reach $5,000 in net spend within the first 90 days of account opening to qualify for the bonus points or bonus reward. Bonus points or bonus reward will not be awarded to your account for purchases during a billing cycle if your account is not open and current on the billing cycle closing date. The bonus points or bonus reward have no cash value and require no tax form 1099. Back