Synovus Cash Rewards Visa® Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 0% for 6 months from account opening date
At a glance
For fans of food and saving money, the Synovus Cash Rewards Visa® Credit Card is a wonderfully simple way to put the money you spend to work for you. Earn cash back rewards with a higher rate on dining purchases and in a spending category that you choose. The flexibility this affords will be a big draw for folks who prefer more control over how they earn rewards.
Our review of the Synovus Cash Rewards Visa® Credit Card
The Synovus Cash Rewards Visa® Credit Card offers cardholders the opportunity to earn cash back rewards on every purchase they make. This card is perfect for those who want to maximize their rewards while enjoying the convenience of a credit card.
Earn Rewards From Every Purchase
Cardholders can earn cash back rewards at a rate of 3% on dining purchases, making it ideal for foodies who love to eat out. Additionally, cardholders can choose another spending category to earn 3% cash back in each quarter, allowing for flexibility and the opportunity to maximize rewards. All other eligible purchases will earn 1% cash back, with no limit on the amount of rewards that can be earned.
Redeeming Cash Back
Cardholders have the flexibility to redeem their cash back rewards in several ways, including applying it as a statement credit or depositing it directly into their Synovus bank account. The Pay Me Back option allows for rewards to be applied to specific transactions, providing even more flexibility in how rewards are used.
No Annual Fee
One of the standout features of the Synovus Cash Rewards Visa® Credit Card is the absence of an annual fee, saving cardholders money right from the start. While there is a foreign transaction fee, cardholders can still benefit from the cash back rewards on dining purchases while abroad.
Introductory APR
For the first six months, cardholders can enjoy a 0% introductory APR on purchases, balance transfers, and overdraft protection fees. This period can be particularly useful for those looking to pay down existing debt without accruing interest.
Synovus Bank Perks
Enrolling in Cardview® allows cardholders to manage their credit card account easily, with features like viewing account activity, setting up automatic payments, and receiving reminders for payment due dates. Additionally, the card offers benefits like Visa’s Auto Rental Collision Damage Waiver, providing insurance coverage for rental cars.
Should You Apply?
The Synovus Cash Rewards Visa® Credit Card is a flexible cash back rewards card that offers great value for those who want to earn rewards on dining purchases and have the option to choose a high-yield spending category. While there are other comparable offers on the market, this card is a solid option for anyone looking to save money while making everyday purchases.
Ultimately, the best card for you will depend on your financial goals and preferences. If you value earning cash back on dining purchases and want flexibility in choosing a spending category for rewards, the Synovus Cash Rewards Visa® Credit Card may be the right choice for you.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 3% cash back on purchases in the dining category
- Earn 3% cash back on purchases in a Dynamic Earn category of your choice, on up to $3,000 in net spending each quarter
- Earn 1% cash back on all other eligible purchases, with no limit to the points you can earn
- No annual fee
Who this card may suit
- You want to avoid extraneous costs by using a card that does not charge an annual fee
- You will use this card to make a large purchase, or transfer a large balance, in order to save money thanks to a generous introductory APR
- You want to choose how you earn 3X cash back rewards by picking a Dynamic Earn category each quarter to earn cash back where you spend the most
- You would like the flexibility to choose how your cash back is issued
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 6 months from account opening date |
| Regular Purchase APR | 15.49% to 28.49% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 6 months from account opening date |
| Balance Transfer APR | 15.49% to 28.49% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $39 |
| Return Payment Penalty Fee | Up to $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Synovus Cash Rewards Visa® Credit Card
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