Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.49% - 27.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
16.49% - 27.49%(Verified 06/21/2024)
Credit Score Range
Starting at 601
Annual Fee
$0
Synovus Cash Rewards Visa® Credit Card Review
This is a rewards card issued by Synovus Bank. If you're wondering whether Synovus Cash Rewards Visa® Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Synovus Cash Rewards Visa® Credit Card has a variable regular purchase APR that ranges from 16.49% up to 27.49%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Synovus Cash Rewards
| The Good | The Bad |
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Synovus Cash Rewards FAQ
Does Synovus Cash Rewards have a cash back or rewards program?
Synovus Cash Rewards is a rewards card.
| Description |
Does Synovus Cash Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Synovus Cash Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Synovus Cash Rewards benefits?
Synovus Cash Rewards Visa® Credit Card provides the following benefits:
- Emergency Support
- Travel Accident Insurance
- Travel Assistance
What are the relevant APRs for Synovus Cash Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Synovus Cash Rewards Visa® Credit Card has a variable purchase APR that ranges from 16.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 27.49%. It also has a variable cash advance APR of 27.49% .
Does Synovus Cash Rewards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.49% - 27.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Synovus Cash Rewards have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Synovus Cash Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Synovus Cash Rewards have a foreign transaction fee?
Synovus Cash Rewards charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Synovus Cash Rewards?
The customer service number for Synovus Cash Rewards is (888) 796-6887.
What is the support contact email for Synovus Cash Rewards?
The support contact email for Synovus Cash Rewards is info@firstlatitude.com.
How do people rate the customer service and user experience of Synovus Cash Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Synovus Bank perform a hard credit pull?
Yes, Synovus Cash Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Synovus Cash Rewards
- Visit the website of Synovus Cash Rewards.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
Other Services by Synovus Bank
Other Credit Cards from Synovus Bank
Rating not yet determined
Purchase APR
10.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$49
Rating not yet determined
Purchase APR
18.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$39
Rating not yet determined
Purchase APR
14.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 601
Annual Fee
$0
Rating not yet determined
Purchase APR
16.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 601
Annual Fee
$0
Rating not yet determined
Purchase APR
16.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 601
Annual Fee
$0 - $50
Rating not yet determined
Purchase APR
35.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$48 - $75
Purchase APR
35.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 650
300
850
Annual Fee
$48 - $75
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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Everyone recommends
Synovus Cash Rewards Visa® Credit Card Community Reviews
Would you recommend Synovus Cash Rewards Visa® Credit Card to your friends?
MS
M S.
Mar 22, 2024
May or may not recommend
I use my Synovus Cash Rewards cards for everyday spend and earn points. I earn 1% on all purchases. I also earn 3% on dining with no cap which is one of the areas I spend most in. I also can choose another category to earn 3% which I chose grocery stores; this does have a cap. Overall this is a great card which earn me ...Show More
Showing 1 of 1 reviews
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