The Synchrony Sport card is mainly suited for credit builders or those seeking a card function without an annual fee. It provides free access to credit scores and features a mobile app with contactless payment capabilities.
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However, it comes with a high annual interest rate of 34.99% and offers minimal cashback benefits. Customer service is frequently criticized for inefficiency and lack of clarity in resolutions.
By Harlon Drosghic Apr 2026
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Synchrony Sport
Synchrony
- Annual Fee
- Free
- Minimum Income
- —
- Interest Rate
- 2.91% a.m.
Score by category
Rewards
★★★★★ 2.0/5
Score by category
Rewards
Points & Miles ★★★★★ 0.5/5
- Earn Rate 0.5
- Bonus Categories 0.5
- Redemption Value 0.5
- Points Expiration 0.5
- Transfer Partners 0.5
Cashback ★★★★★ 1.2/5
- Base Cashback Rate 1.5
- Caps & Limits 0.5
- Redemption Ease 1.5
- Bonus Categories 1.0
- Redemption Flexibility 1.0
Credit Building ★★★★★ 2.5/5
- Upgrade Path 1.0
- Credit Bureau Reporting 4.0
- Educational Tools 2.5
- Credit Limit Growth 1.5
- Approval Accessibility 2.5
Lower Fees ★★★★★ 2.6/5
- Annual Fee Value 5.0
- Cost Transparency 2.5
- Penalty Friendliness 2.0
- Foreign Transaction Fee 2.0
Purchase Perks ★★★★★ 0.8/5
- Extended Warranty 0.5
- Installment Perks 1.0
- Merchant Discounts 0.5
- Everyday Usefulness 1.0
- Purchase Protection 1.0
Travel Perks ★★★★★ 0.6/5
- Travel Insurance 0.5
- Travel Redemption 0.5
- No Foreign Tx Fees 2.0
- Hotel & Airline Perks 0.5
Score by category
User Experience
★★★★★ 2.0/5
Score by category
User Experience
App / Experience ★★★★★ 3.0/5
- Ease of Navigation 2.5
- Self-Service 3.0
- Billing Clarity 2.5
- Feature Quality 3.0
- App Speed & Stability 3.5
Support Quality ★★★★★ 1.2/5
- Response Time 1.5
- Channel Availability 2.0
- Agent Professionalism 1.0
- First-Contact Resolution 0.5
- Resolution Effectiveness 1.0
Transparency ★★★★★ 1.7/5
- Terms Simplicity 2.0
- Billing Transparency 1.5
- Fee & Interest Clarity 1.5
- Charge Predictability 2.0
- Communication Clarity 1.5
Security & Control ★★★★★ 2.6/5
- Card Control Features 3.0
- Fraud Protection 3.0
- Virtual Card Experience 2.5
- Incident Resolution 2.0
- Real-Time Monitoring 2.5
Benefits Usability ★★★★★ 1.2/5
- Ease of Earning 1.0
- Ease of Tracking 1.0
- Real-World Value 1.5
- Rules Simplicity 1.0
- Ease of Redeeming 1.5
Pros & Cons Synchrony Sport
Pros
- ✓No annual fee
- ✓Free access to credit score
- ✓Mobile app with contactless features
Cons
- ✗High APR
- ✗Limited cashback rewards
- ✗Poor customer service reputation
Expert Analysis
AI Analysis
Citocred AI
The Synchrony Sport card is mainly suited for credit builders or those seeking a card function without an annual fee.
Full analysis
It provides free access to credit scores and features a mobile app with contactless payment capabilities. However, it comes with a high annual interest rate of 34.99% and offers minimal cashback benefits. Customer service is frequently criticized for inefficiency and lack of clarity in resolutions.
Best for
Credit builders seeking a no-fee card.
Avoid if
High spenders seeking substantial rewards.
AI-generated analysis · Methodology by Harlon Drosghic
Credit builders seeking a no-fee card.
High spenders seeking substantial rewards.
Frequently Asked Questions
Synchrony Sport
What is the interest rate for the Synchrony Sport?
Does the Synchrony Sport include airport lounge access?
Does the Synchrony Sport include travel insurance?
Who should get the Synchrony Sport?
Is the Synchrony Sport worth it?
The Synchrony Sport provides a set of benefits designed to add genuine value to your financial routine:
Contactless Payment
Virtual Card
International Acceptance
See 10 benefits not included in this card
- Cashback See which cards include this benefit →
- Points Program See which cards include this benefit →
- Miles Program See which cards include this benefit →
- Lounge Access See which cards include this benefit →
- Travel Insurance See which cards include this benefit →
- Purchase Protection See which cards include this benefit →
- Extended Warranty See which cards include this benefit →
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Features — Detalhes
Fees
Rewards
Premium
Digital
Additional Benefits
- • Free access to Your Credit Score
- • Mobile app (iOS & Android)
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
We maintain full editorial independence — no issuer pays for ranking position. 'Apply' links may include affiliate referrals that support our free content. This never influences our editorial scores or assessments.
Read our full methodology →
Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.