When choosing the right kind of credit card for yourself, one of the most important things to consider is the credit card issuer. The bank or credit union that you go to for your card is the one in charge of almost everything related to your card. Your credit card issuer will set the requirements, and be in charge of your terms and conditions, rates and fees, and rewards and bonuses.
If you’re in the market for a new credit card, you might want to consider some of Synovus Bank credit cards. Synovus is one of the more popular choices in the Southeastern states and has a wide variety of financial products for individuals as well as businesses.
Let’s take a closer look at Synovus Bank credit card offers to help you figure out whether this is the right bank for you.
Synovus Bank Overview
Synovus Bank has a very unique and interesting history. The bank was established in 1888 after an incident at a textile mill where a worker’s clothing got entangled in one of the machines, spilling the money she’d sewn into the hem of her dress on the floor. When the manager noticed, he offered to keep her money safe at the mill and pay her interest. This soon became common practice for the workers of the mill, and the bank developed from there. (About Synovus Bank)
Based in Columbus, Georgia, the bank is today the preferred choice of the people in the Southeastern states. It enjoys a good reputation for safety and customer service.
Currently, Synovus has 39 branches in total in Georgia, Alabama, South Carolina, Florida, and Tennessee, and it has numerous additional subsidiaries for a mortgage, trust, and brokerage. It offers a wide variety of financial services, and Synovus Bank credit cards are among the good ones on the market.
Synovus Bank as a Credit Card Issuer
- Denying or accepting your credit card application
- Setting the terms and conditions of your credit account
- Offering credit card rewards and benefits
- Setting the requirements
- Paying for your transactions
- Setting the rates and fees
- Collecting your credit card payments
- Setting your credit card limit
With a Synovus card, you will get most of the secondary benefits of Visa and MasterCard networks.
If you decide to apply for a credit card, your fees, rates, and other credit card features will mostly depend on your credit card score. The issuer will offer you better terms if you have a higher credit score.
Synovus Bank Credit Card Types
The Synovus Bank offers various types of credit cards, and you can find the type that suits your needs regardless of how good or bad your credit score is. On the whole, this banks cards are known for having lower fees, so any card you choose should work well for you. With a Synovus card offers, you can easily maximize your cashback on gas, groceries, restaurant purchases, and more.
Some of the credit card types you can find include, but are not limited to:
- Secured credit cards – good for bad credit
- Low-interest credit cards
- Instant decision credit cards
- Introductory no annual fee credit cards
You will need to contact teh bank to find out whether you’re eligible for their credit cards, and to learn more about the rates, fees, rewards, and bonuses you could be offered.
Synovus Bank Credit Cards for Poor Credit
If you have a poor credit score, you’ll likely still be able to get a valuable Synovus Bank card. The bank has many cards on offer that are designed for those with poor credit, and some of their best offers include secured credit cards. (See: Secured Cards Explained)
You’ll be able to apply for some of the best instant approval credit cards online, even with poor credit, and you’ll be able to find out the status of your application within just a few minutes. Applying online is safe and easy, and you’ll be able to use your new credit card in almost no time at all.
Other Synovus Bank Card Offers
Synovus Bank Customer Service & Contacts
Toll-Free Number: 888-796-6887 (English & Spanish)
Online Contact Form/ Chat: synovus.com/contact-us
Emails: [email protected]
Corporate Office Address: P.O. Box 120, Columbus GA 31902
Hours of Operation: MON-FRI 9AM-5PM (ET)
Synovus Bank Frequently Asked Questions
You can easily apply for your Synovus Bank credit card online. Online applications are rather similar to in-person applications, and you will have to provide the required information which can include your name, verifiable address, place of work and job position, ID, salary information, and more. It’s always a good idea to keep this information at hand before you start your online application.
If you decide to apply for your Synovus Bank credit card online, you might want to consider applying for their instant decision credit card. With this type of card, you will be able to find out the status of your application within just a few minutes. If your application is accepted, you will have to sign the contract before you can start using your card.
A credit card issuer is a credit union or a bank, such as Synovus Bank, where you can apply for your new credit card. The issuer’s responsibility is to set the credit card requirements, set your credit limit, set the terms and conditions of your account, approve or deny your application, offer customer support, decide on your rates, fees, rewards and bonuses, and more.
Synovus Bank, as a credit card issuer, offers its clients credit cards that come from Visa or MasterCard card networks. This is why your credit card will have both the Synovus Bank logo and the Visa or MasterCard logo.
Synovus Bank offers a wide variety of different credit cards that can fit almost any lifestyle. Synovus Bank credit cards will come either from the Visa or the MasterCard card network and will have most of the secondary benefits of these networks.
Some of the most popular Synovus Bank credit cards include secured credit cards (e.g. First Progress Mastercards), cards for poor credit, low-interest credit cards, instant decision credit cards, and many others.
Choosing your Synovus Bank credit card should depend mostly on your lifestyle, financial situation, and personal preferences. Many Synovus Bank credit cards come with very appealing rewards, but better rewards typically come with higher fees, so you should consider carefully how valuable the rewards may be to you.
Synovus Bank credit cards offer lower rates and fees than some of the competitors, and most cardholders are normally satisfied with them. The majority of Synovus Bank credit cards have a 25-day grace period, and their annual percentage rate ranges from 10.74% to 26.74%*.
The rates and fees offered are variable and will depend on many factors, the determining factor being your creditworthiness or your credit score. If you have a higher credit score, you can expect your rates and fees to be lower, and your rewards and benefits higher. Of course, the opposite is also true, and with a lower credit score, you will get higher rates and fees, and fewer rewards and benefits. For the exact numbers, you will have to contact the Synovus Bank itself.
* – Always check rates and fees before actually applying for a card product.
Yes. Synovus Bank has a great offer of credit cards for bad credit. Usually, there are two types of credit cards that are the most suitable for poor credit: (a) guaranteed approval credit cards, and (b) secured credit cards
Guaranteed approval credit cards are best avoided. While they come with much lower requirements than normal, and almost anyone with any credit score can get them, they also come with much higher fees that can damage your score even further.
Secured credit cards, on the other hand, can have very favorable rates and fees, and can come with some great rewards and benefits, their only drawback being that you have to make a deposit to get them. Synovus Bank offers very favorable rates on their secured credit cards (e.g. First Progress Prestige), and since the bank reports to all the major credit bureaus, using their credit cards responsibly will help you build your credit score quickly.
Synovus Bank credit cards come from two of the world’s largest credit card networks – Visa and MasterCard. You will be able to use your Synovus Bank credit card wherever Visa and MasterCard credit cards are accepted, and this is almost everywhere.
Visa is accepted in over 170 countries and MasterCard in over 210. Any store or merchant that accepts credit cards, in general, will almost undoubtedly accept at least one of these networks (and in most cases both of them).
You will be able to use your Synovus Bank credit card in most stores at home and abroad, and for online shopping and paying your utility bills.
Yes, Synovus Bank’s online applications are safe and secure.
Many banks, credit unions, and other credit card issuers allow their clients to apply for their credit cards online. The vast majority of these online applications are completely safe. Your personal information is completely encrypted, and only the credit card issuer will be able to decipher it.
It should be noted, however, that even though most card issuers who allow online applications invest a lot of time and money into securing them, you should still be very careful. Never apply for your credit card online from a public Wi-Fi, or from a device that’s used by other people (such as your office or library computer).
There are many benefits to using a Synovus Bank credit card. Primarily, the bank is known for its community ties. It has a family-friendly corporate culture, and each bank has its own board of directors and local CEOs. With $31 billion in assets and $26 billion in deposits, it’s regarded as one of the largest and most secure banks in the Southeastern states.
Synovus Bank credit cards typically come with lower rates and fees, and since the bank accepts applications from those with bad credit, almost anyone can benefit from using their cards.
Cardholders can expect to get great cashback rewards on gas, groceries, restaurant purchases, and more, so Synovus Bank credit cards are typically among the more convenient and beneficial cards.