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1 cards · updated October 29, 2026

Synchrony credit cards

Ordered by what each is worth a year after its annual fee, on typical spending.

  1. Synchrony

    NAPA Credit Card

    $156/ yearAnnual fee $0

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.