Smart Card Choices

Synchrony credit cards

Banrox tracks 5 Synchrony cards, all of them at a $0 annual fee, with the terms each issuer publishes.
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No annual fee cash back cardsBest cards for gas and groceriesTravel cards for frequent flyers0% intro APR to pay off a purchaseMove a balance and pay less interestBuild credit with my first cardWelcome offers around $1k/mo spendChase cards for excellent credit
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39431 results reported since April 2001
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CareCredit credit card
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Terms & Conditions
Recommended Credit: Fair (median of 153 reported approvals: 580 to 669)
Processing NetworkNone (store card)
Annual Fee$0
CareCredit credit card
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Regular Purchase APR
32.99%
Balance Transfer APR
-
Cash Advance APR
-
At a Glance

This card is for patients who need to spread a health or wellness bill over a few months. At CareCredit Network locations, purchases of $200 or more can get no interest if paid in full within 6, 12, 18 or 24 months, and there is no annual fee. The caveat: it is deferred interest, so if the promo balance is not paid in full in time, 32.99% interest is charged from the date of purchase, and a late payment can trigger a 39.99% penalty APR.

OnePay CashRewards Card
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Terms & Conditions
Recommended Credit: Fair (median of 778 reported approvals on Walmart's earlier store card: 580 to 669)
Processing NetworkMastercard
Annual Fee$0
OnePay CashRewards Card
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Regular Purchase APR
20.24% or 30.74% Variable, by account type
Balance Transfer APR
-
Cash Advance APR
22.24% or 32.24% Variable, by account type
At a Glance

This card is for people who shop at Walmart often, above all Walmart+ members. It earns 5% cash back at Walmart with a linked Walmart+ membership, 3% without one, and 1.5% everywhere else Mastercard is accepted, with no annual fee and no foreign transaction fee. You apply on Walmart.com, in the Walmart app or in a store. The caveat: the purchase APR depends on the account type you are approved for, 20.24% or 30.74% Variable, and the higher one erases the rewards on any balance you carry.

Techron Advantage Credit Card
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Terms & Conditions
Recommended Credit: Fair (median of 155 reported approvals: 580 to 669)
Processing NetworkNone (store card)
Annual Fee$0
Techron Advantage Credit Card
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Regular Purchase APR
33.99%
Balance Transfer APR
-
Cash Advance APR
33.99%
At a Glance

This card is for drivers who fill up at Chevron or Texaco and pay in full. It takes 3¢/gal. off every fill-up, at the pump or as a statement credit, and has no annual fee. It is also accepted at Synchrony Car Care auto merchants, with 6-month promotional financing on purchases of $199 or more. The caveat: 3¢/gal. is a small saving, and any balance costs 33.99%, which quickly outweighs it.

Squad Card by Banrox
Coming soon
How Squad Card works
Status: Waitlist open
Members per squadUp to 4
TermsShared at launch

Squad Card by Banrox

A Banrox product. Not available yet.

Join the waitlist
Name and email. A 6‑digit code saves your seat.
Invite your squad
Every friend who confirms fills a seat and opens 500 of the grant; 750 more when they check their score.
Check your score
Get your Experian score free while you wait.

At a Glance

Squad Card is a shared credit line for people who trust each other, and everyone gets their own lane. It isn't available yet. Join the waitlist to save your seat, then check your Experian score free while you wait.

Joining the waitlist is not an application for credit.

Squad Card by Banrox
Coming soon

Squad Card by Banrox

A Banrox product. Not available yet.

Join the waitlistName and email. A 6‑digit code saves your seat.
Invite your squadEvery friend who confirms fills a seat and opens 500 of the grant; 750 more when they check their score.
Check your scoreGet your Experian score free while you wait.

Squad Card is a shared credit line for people who trust each other, and everyone gets their own lane. It isn't available yet.

Joining the waitlist is not an application for credit.

Amazon Store Card
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Terms & Conditions
Recommended Credit: Fair (median of 251 reported approvals: 580 to 669)
Processing NetworkNone (store card)
Annual Fee$0
Amazon Store Card
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Regular Purchase APR
29.49% Variable
Balance Transfer APR
-
Cash Advance APR
-
At a Glance

This card is for people who buy a lot on Amazon and want rewards on those purchases or no-interest equal monthly payments on bigger orders. There is no annual fee, and it also works at participating Whole Foods Market stores. The Amazon Prime Store Card version is only for eligible Prime members. The caveat: it works only at Amazon and Whole Foods Market, and any balance outside a promo costs 29.49% Variable.

MyLowe's Rewards™ Credit Card
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Terms & Conditions
Recommended Credit: Fair to Good (median of 266 reported approvals: 670 to 739)
Processing NetworkNone (store card)
Annual Fee$0
MyLowe's Rewards™ Credit Card
Read Full Review
Regular Purchase APR
31.99%
Balance Transfer APR
-
Cash Advance APR
-
At a Glance

This card is for homeowners who buy at Lowe's often. Each eligible purchase gets 5% off, or you can pick special financing instead, such as no interest if paid in full within 6 months on $299 or more. New accounts get 20% off the first eligible purchase, up to $100, and there is no annual fee. The caveat: the financing is deferred interest, so if the promo balance is not paid in full in time, interest at 31.99% is charged back to the purchase date, and the card works only at Lowe's.

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