SYNCHRONY is a leader in consumer financial services with 88 years of retail heritage.


    Enables our digitalfirst partners to deepen consumer engagement by embedding payment solutions, leading value and rewards, and personalized offers within seamless experiences and extending digital relationships into in-person commerce.


    Provides comprehensive healthcare payments and financing solutions through a network of providers and partners for those seeking health and wellness care for themselves, their families, and their pets.


    Help partners to convert more prospects to customers, expand customer loyalty and engagement, and grow their business by offering choices in financing and tailored experiences when and where customers shop


    Assists large retail partners deliver everyday value to consumers shopping for daily needs or important life moments, whether shopping in store, online or in-app.


    Partners with a diverse set of merchants to extend the passion for their brands and products to the consumer, offering seamless financing while building a relationship across multiple generations.

This structure enables us to drive faster growth, deepen our domain expertise and provide the most comprehensive suite of products in the industry.

Synchrony Bank

Synchrony Bank offers savings accounts that feature award-winning products and the safety of FDIC insurance*—CDs, IRAs, Money Market Accounts and Savings Accounts. Customers can open an account in minutes via our Mobile app or online all with no minimums or monthly service fees.

Synchrony is always developing new products to help consumers achieve what’s possible. Today, we offer the Synchrony Premier World Mastercard, with 2% cash back and no annual fee, * subject to credit approval. The Synchrony Plus World Mastercard and the Synchrony Preferred Mastercard are currently offered by invitation only.

We are connected to the decisions consumers make every day about spending and saving with options to use credit or savings to make important buying and spending decisions in line with their financial goals.

*FDIC insurance up to $250,000 per depositor, per insured bank for each ownership category.

Synchrony By The Numbers

*All numbers as of and for the year ended December 31, 2022.
  • More than 180.2B of purchase volume
  • $3.0B net earnings
  • 70.7M active customer accounts
  • More than 18.5K employees
  • 29 US Patents
  • $71.7B in deposits
  • More than 460K Partner Locations
  • 235M Transactions