FDIC-insured - Backed by the full faith and credit of the U.S. Government
Credit cards & financing
Get access to credit cards and other ways to pay over time nationwide, online, or at local businesses.
Banking
FDIC-insured savings products to power life's goals and opportunities.
Marketplace
Find great deals, promotional financing offers, and everyday value from your favorite brands.
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Find your way to pay
Choose from a variety of flexible payment options.
Retail credit cards and financing
Shop at thousands of your favorite stores and brands we partner with all across the country.
Buy now, pay later
Synchrony Pay Later gives you the power to make purchases today and pay them off over time in predictable equal payments.
Learn about our networks
Shop at thousands of retailers across the country with a Synchrony HOME™ or Synchrony Car Care™ credit card.
Earn 2%
cash back* —
with the Synchrony Premier Mastercard®
The Synchrony Premier Mastercard earns you 2% cash back on every single purchase. Yep, even that one.
Healthcare financing for you, your family and your pets.
The CareCredit credit card offers flexible financing options to help you pay for a wide range of health and wellness costs including medical, dental, vision, pet care, and more.
For your business
Big impact for your customers
For your business
Big impact for your customers
Synchrony provides payment solutions your customers can count on so you can focus on what matters — your business.
Your business is our business
You give your customers what they need and want in life. We give them a way to pay for it. See how we do it.
Big solutions for small businesses
We offer tools, resources, and a range of solutions for small businesses.
Questions?
Contact us to learn how our consumer financing products can help you attract more customers and increase sales.
Credit offers cannot be combined.
*DISCLOSURES:
ANNUAL PERCENTAGE YIELD (APY): All APYs are accurate as of .
APYs are subject to change at any time without notice. Offers apply to personal accounts only. Charges for specific services may reduce earnings. For High Yield Savings Accounts, the rate may change after the account is opened.
NATIONAL AVERAGE: National Average APYs are based on specific product types of top 50 U.S. banks (ranked by total deposits) provided by Curinos LLC through 11/03/2025. High Yield Savings Rates: Average APYs are based on High Yield Savings Accounts of $10,000. Curinos data is obtained from public sources; accuracy and completeness is not guaranteed. Curinos is not liable for reliance on the data.
FDIC INSURANCE: up to $250,000 per depositor, per insured bank, for each ownership category.
*Subject to credit approval. In order to qualify for this offer, you must open a new JCPenney Credit Card account and use it to make a purchase of (in the US and PR) $35–$499.99 for $35 off or $500 or more for $125 off on select original, regular, sale, and clearance-priced apparel, shoes, accessories, fine jewelry, watches, home, salon products, fragrances, and JCPenney Beauty purchases. Each offer good in store or at jcp.com, excluding taxes, from the date your application is approved through 05/31/26. One use per coupon, one coupon per customer; must be provided/surrendered at the time of purchase. Only one account opening discount can be earned per account. Applicants who do not receive a credit decision at the time of their application, but are later approved, will receive a first purchase discount coupon in their credit card package. Full amount of purchase must be on one receipt and on the JCPenney Credit Card or JCPenney Mastercard® to receive account-opening discount.Does not apply to in-store services, service plans, gift cards, closing store purchases, current orders/prior purchases, or in combination with other coupon(s). The offers can be combined with earned JCPenney Rewards. Coupon cannot be used for payment on account. Coupon cannot be replaced or redeemed as cash or merchandise credit if merchandise is returned. May not be used for purchases made by cash, Gift Cards, debit cards, American Express, Discover Card or bankcards. No cash value. JCPenney may refuse, or limit the use of, any coupon and/or return for any reason, including reoccurring disruptive behavior. Additional exclusions and exceptions may apply, See jcpenney.com/exclusions or store associate for details.