Synchrony Bank Credit Cards (formerly GE Capital Retail Bank)

walmart-synchronyQ. What can you tell me about credit cards issued by Synchrony Bank?

A. Synchrony Bank (formerly named GE Capital Retail Bank) is the issuing bank behind many well-known retailer credit cards, including Wal-Mart credit cards, the JCPenney credit card, Care Credit medical financing, and many more. (The bank was formerly part of General Electric, but was spun off into a new company named Synchrony Bank.) If you have a card issued by Synchrony Bank and need information on the card or need to contact the company, the links below should get you started.


  • Wal-Mart Credit Cards – The Wal-Mart MasterCard and Wal-Mart store credit card are issued by Synchrony Bank. Go here to compare the cards and apply online if you wish. (www.walmart.com)
  • JCPenney Credit Card – The JC Penney store credit card is issued by Synchrony Bank / GECRB. Go here for details on applying for the card and getting 15% off of your first day’s purchases with it. (www.onlinecreditcenter2.com)
  • TJX Rewards Credit Card – Synchrony Bank issues this credit card good for purchases at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post stores. (www.tjxrewards.com)
  • GAP Credit Cards – Synchrony Bank / GE Capital is the issuing bank behind credit cards from GAP stores, including GAP, Banana Republic, and Old Navy. Go here for info and/or to apply online. (www.gap.com)

  • GE Capital to IPO as Synchrony Financial – March 2014 article on the change in names from GE Capital Retail Bank to Synchrony Financial / Synchrony Bank. (www.creditcardcatalog.com)
  • American Eagle Credit Card – Popular clothing retail chain offers its credit card in partnership with Synchrony Bank / GE Capital Retail Bank. (www.ae.com)
  • Amazon.com Store Credit Card – Synchrony Bank-issued credit card offers special financing offers and a 5% rebate on purchases if you are an Amazon Prime customer. (www.amazon.com)
  • Banana Republic Credit Card – Clothing retailer is part of the GAP family, all of which have credit cards issued by Synchrony Bank. (secure-bananarepublic.gap.com)
  • Belk Credit Card – The credit card of this department store chain is issued by Synchrony Bank. Apply online and get 20% off a day’s purchases with the card. (www.belkcredit.com)
  • BP Visa – BP gas credit card issued by Synchrony Bank allows you to earn discounts of up to 25 cents off each gallon of BP gas. (mybpstation.com)
  • Synchrony Car Care / Car Care One Credit Card – Synchrony Bank / GE Capital issues the Car Care One credit card that helps you finance car repair at many auto shops around the country. Get info and apply online here. (www.mysynchrony.com)
  • Care Credit – This credit card backed by Synchrony Bank / GE Capital is used for financing cosmetic medical procedures including dental procedures, LASIK eye surgery, plastic surgery, hearing aids and more, plus veterinary care for your pets. Go here to apply and find local doctors that accept Care Credit as payment. (www.carecredit.com)
  • GE Capital to Refund up to $34 Million Over CareCredit Medical Credit Cards – December 2013 article about GE Capital agreeing to refund millions of dollars to consumers who financed medical procedures through GE Capital’s CareCredit product. The U.S. government claimed that consumers had been misled into thinking they could stretch out their payments without paying interest, when in reality they would get hit by big interest charges if they didn’t pay the full balance due within a promotional period such as 12 months or 18 months. GE Capital did not admit to any wrongdoing, but agreed to refund the money. (online.wsj.com)
  • Chevron / Texaco Credit Cards – Gas credit cards from Chevron and Texaco are also issued by Synchrony Bank / GE Capital. Click through for details on the cards and to apply online. (www.chevrontexacocards.com)
  • The Container Store Credit Card – This credit card issued by Synchrony Bank allows you to finance large Container Store purchases at a 0% interest rate. (www.containerstore.com)
  • Dick’s Sporting Goods Credit Card – The Dick’s credit card is issued in partnership with Synchrony Bank. While you can only apply for a Dick’s credit card at a Dick’s store (or now at Field & Stream stores, too), this link takes you to online information about the card and the Dick’s ScoreCard Rewards program. (www.myscorecardaccount.com)
  • Synchrony Financial – Web site of Synchrony Bank, which issues the Synchrony credit cards as well as other forms of financing for a variety of business partners. See some of Synchrony’s finance partners or how to partner with Synchrony Financial if you want to offer credit to your business’ customers. You can also log in to your existing Synchrony Bank account to pay your bill or update personal info here. (www.mysynchrony.com)
  • Discount Tire Credit Card – Major tire & wheel chain offers a CarCareOne credit card through Synchrony Bank / GE Capital. (www.discounttire.com)
  • eBates Visa Credit Card – Synchrony Bank is the issuer of this credit card that lets you piggyback on the discounts you already receive as an eBates member. (www.ebates.com)
  • eBay MasterCard – The eBay credit card is issued by Synchrony / GECRB, and offers points / cash back on all purchases, with enhanced rewards on eBay purchases and gas/restaurant purchases. (mastercard.ebay.com)
  • Evine Live – Synchrony Bank / GE Capital issues credit cards on behalf of Evine Live (formerly ShopHQ and before that ShopNBC.com). (www.evine.com)
  • LensCrafters Credit Card – Synchrony Bank / GE Capital-backed credit card gets you special financing on glasses. (www.lenscrafters.com)
  • Mattress Warehouse Credit Card – Finance your mattress with the help of Synchrony Bank. (www.sleephappens.com)
  • Men’s Wearhouse Credit Card – Synchrony Bank issues this card that is a complement to the chain’s Perfect Fit loyalty program. (www.menswearhouse.com)
  • Mills Fleet Farm Credit Card – Fleet Farm offers a Visa or a store-only card issued in partnership with Synchrony Bank. (www.fleetfarm.com)
  • PayPal Extras MasterCard – The PayPal credit card is issued by Synchrony Bank / GE Capital Retail Bank. Go here for details on the MasterCard’s rewards and apply online. (personal.paypal.com)
  • P.C. Richard & Son Credit Card – The credit card of this electronics & appliance retailer is issued by Synchrony Bank. (www.pcrichard.com)
  • Sam’s Club Credit Cards – Sam’s consumer and business credit cards are issued by Synchrony Bank. (www.samsclub.com)
  • Sony Financing Card – This Sony credit card issued by Synchrony Bank offers you special financing on large Sony purchases of at least $199. (etail.mysynchrony.com)
  • Sunglass Hut Credit Card – Finance your sunglasses with the help of Synchrony Bank. You’ll get 20% off of your first purchase with the card. (www.sunglasshut.com)
  • Toys R Us / Babies R Us Credit Cards – Synchrony Bank / GE Capital Retail Bank issues the MasterCard and store credit cards that earn you rewards at “R Us” stores. (www.ruscreditcard.com)
  • GE Capital Retail Bank Feedback at ConsumerAffairs.com – Posts from irate GE Capital customers on how GE Capital has done them wrong via interest rate hikes, late fees, etc. (www.consumeraffairs.com)
  • Value City Furniture Credit Card – Popular home furnishings retailer is partnered up with Synchrony Bank / GECRB on this card. (etail.mysynchrony.com)
  • Other Synchrony Financial Partners – Click through to see other Synchrony Bank retail partners that offer financing via Synchrony, including credit cards or other financing arrangements. (www.mysynchrony.com)
  • Synchrony Bank / GE Capital Complaints at Complaints Board – Long listing of customers detailing their complaints about GE Capital credit card services. (www.complaintsboard.com)
  • GE Capital Retail Bank Complaints at Pissed Consumer – Over 300 stories from people unhappy with the service related to their GE Capital credit cards or other financing products. (ge-money-bank.pissedconsumer.com)