Synovus credit cards - Revision history

Editor at 06:53, 19 February 2021

2021-02-19T06:53:43Z

Editor: Editor moved page Synovus Credit Cards to Synovus credit cards without leaving a redirect

2021-02-19T05:10:44Z

Editor moved page Synovus Credit Cards to Synovus credit cards without leaving a redirect

Editor: /* Bonus Categories */

2020-10-19T18:57:00Z

‎Bonus Categories

Editor: /* Bonus Categories */

2020-10-18T22:38:14Z

‎Bonus Categories

Editor: /* Synovus Card Options */

2020-10-07T23:22:58Z

‎Synovus Card Options

Editor: /* Synovus Card Options */

2020-10-07T23:15:38Z

‎Synovus Card Options

Editor: Text replacement - "Sign-up Bonus" to "Signup Bonus"

2018-05-31T19:19:04Z

Text replacement - "Sign-up Bonus" to "Signup Bonus"

New page

{{Page|card|all cards}}

<div class="top" style="width: 3in; margin:auto;">
{{Card|Synovus|3in}}
</div>

<div style="width: 3in; margin-left: auto; margin-right: auto;">
{{CardInfobox
|Bank=Synovus
|Webpage=//www.synovus.com/personal/charge/credit-cards/
|ApplyLink=//www.synovus.com/personal/charge/credit-cards/
|BusinessVersion=
|Fee=50
|Waived=Yes
|FTF=0
|Credit=
|CreditValue=
|CurrentOffer=
|CurrentSpend=
|CurrentSpendCustom=
|OfferLink=
|NormalOffer=
|NormalCustom=None
|NormalSpend=
|NormalSpendCustom
|PointType=
|SignupBonusChart=
|BonusCategories=5x Travel (≈6%)

3x Category of Your Choice (≈3.6%)

1x Everything Else (≈1.2%)
|CreditScore=
}}

{{Main|card}}
<div class="middle">
{{Card|Synovus|4in}}
</div>

'''The Synovus Travel Rewards card earns the highest cash-back rate on travel purchases of any card (6 cents per dollar). In addition, it lets you earn 3.6 cents per dollar on your choice of an additional category. If you are willing to sign up for a bunch of cards to maximize your reward spending, it is a compelling option, especially if you don't already have a card that earns good bonus rewards on travel'''.

{{TOC|All}}
*[[#Synovus Card Options|Synovous Card Options]]
*[[#Collecting the Signup Bonus|Signup Bonus]]
*[[#Pick Your Bonus Category|Pick Your Bonus Category]]
*[[#Other Notable Benefits|Other Notable Benefits]]
*[[#Bonus Categories|Bonus Categories]]
{{/TOC}}

=== Synovus Card Options ===

There are four different Synovus credit cards.

<ul class="checklist">

<li>'''Travel Rewards version'''. This is the best version of the card, but has a $50 annual fee (waived first year). Along with the 3x points in the category of your choice, you'll get 5x rewards on your first $5,000 of travel purchases, and a 20% bonus when using your points to make travel purchases.</li>

<li>'''Rewards version'''. The no annual fee version earns 3x points on the category of your choice, but doesn't earn the extra bonus rewards on travel purchases. Without the 20% bonus on travel redemptions, each point you earn is also worth less.</li>

<li>'''Cash Rewards version'''. The cash rewards version earns 3% cash back, rather than 3x points, in your choice of categories, plus 3% back on dining. No annual fee. </li>

<li>'''Classic version'''. The classic version doesn't offer any rewards. </li>
</ul>

=== Collecting the Signup Bonus ===

{{Signup None}}

=== Pick Your Bonus Category ===

'''Each of the main Synovus cards let's you choose a "Dynamic Earn" category each quarter'''. You'll earn 3x points or 3% cash-back on that category, on up to your first $3,000 of quarterly spending.

Choices are:

<ul class="simplelist">
*Business services
*Entertainment
*Dining
*Gas
*Groceries
*Healthcare
*Maintenance
*Retail
*Travel
</ul>

It is usually better to choose a category for which you aren't already earning better rewards with another card (or where your ability to earn bonus rewards is capped). For example, we think these are the only cards that earn bonus rewards on maintenance expenses.

'''If you are able to fully maximize your bonus rewards each quarter, you can earn an additional $360 per year on this card, over and above what you would earn from a 2% cash-back card'''. If you can't maximize each quarter, or your general-purpose card earns more than 2% back, your extra rewards will be less. If you have the Travel Rewards card, you are actually earning 3.6 cents per dollar, rather than 3 cents.

=== Other Notable Benefits ===

None.

=== Bonus Categories ===

<ul class="bulletlist">
<li>'''The Synovus Travel Rewards card earns more valuable rewards on your travel purchases than almost any other card'''. You'll earn 5x points, valued at 6 cents per dollar. This is as good, or better, than you can earn with any card. However, if you highly value redeeming your points for premium cabin frequent flyer tickets, you would be better off earning 3x Ultimate Rewards or ThankYou points. The card is an excellent choice for people who want to earn good travel rewards, but don't want to pay the higher annual fees associated with the premium credit cards that are the other good options. Bonus rewards for travel are capped to $5,000 worth of purchases per year ($300 worth of rewards). {{Link|Travel spending}}.</li>

<li>'''The bonus rewards on your choice of category is a nice additional benefit'''. Allowing you to earn even more rewards from the card.</li>

{{Bonus Everyday}}
</ul>

{{/Main|card}}

{{/Page|card}}

← Older revision		Revision as of 06:53, 19 February 2021
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		+	{{DISPLAYTITLE: Synovus Credit Cards}}
	{{Page\|card\|all cards}}		{{Page\|card\|all cards}}

@@ Line 105: / Line 105: @@
 <li>'''The Synovus Travel Rewards card earns more valuable rewards on your travel purchases than almost any other card'''. You'll earn 5x points, valued at 6 cents per dollar. However, if you highly value redeeming your points for premium cabin frequent flyer tickets, you would be better off earning Ultimate Rewards, Membership Rewards, or ThankYou points. Bonus rewards for travel are capped to $5,000 worth of purchases per year ($300 worth of rewards). {{Link|Travel spending}}.</li>
-<li>'''The bonus rewards on your choice of category is a nice additional benefit'''. </li>
+<li>'''The bonus rewards on your choice of category is a nice additional benefit''', even if it is only worth about 3.6%.</li>
 {{Bonus Everyday}}

← Older revision	Revision as of 05:10, 19 February 2021
(No difference)

@@ Line 103: / Line 103: @@
 <ul class="bulletlist">
-<li>'''The Synovus Travel Rewards card earns more valuable rewards on your travel purchases than almost any other card'''. You'll earn 5x points, valued at 6 cents per dollar. This is as good, or better, than you can earn with any card. However, if you highly value redeeming your points for premium cabin frequent flyer tickets, you would be better off earning 3x Ultimate Rewards or ThankYou points. The card is an excellent choice for people who want to earn good travel rewards, but don't want to pay the higher annual fees associated with the premium credit cards that are the other good options. Bonus rewards for travel are capped to $5,000 worth of purchases per year ($300 worth of rewards). {{Link|Travel spending}}.</li>
+<li>'''The Synovus Travel Rewards card earns more valuable rewards on your travel purchases than almost any other card'''. You'll earn 5x points, valued at 6 cents per dollar. However, if you highly value redeeming your points for premium cabin frequent flyer tickets, you would be better off earning Ultimate Rewards, Membership Rewards, or ThankYou points. Bonus rewards for travel are capped to $5,000 worth of purchases per year ($300 worth of rewards). {{Link|Travel spending}}.</li>
-<li>'''The bonus rewards on your choice of category is a nice additional benefit'''. Allowing you to earn even more rewards from the card.</li>
+<li>'''The bonus rewards on your choice of category is a nice additional benefit'''. </li>
 {{Bonus Everyday}}

@@ Line 55: / Line 55: @@
 <ul class="checklist">
-<li>'''Travel Rewards version'''. This is the best version of the card, but has a $50 annual fee (waived first year). Along with the 3x points in the category of your choice, you'll get 5x rewards on your first $5,000 of travel purchases, and a 20% bonus when using your points to make travel purchases.</li>
+<li>'''Rewards '''. The no-annual-fee version earns 3x points on the category of your choice, but doesn't earn the extra bonus rewards on travel purchases. Without the 20% bonus on travel redemptions, each point you earn is also worth less.</li>
-<li>'''Rewards version'''. The no annual fee version earns 3x points on the category of your choice, but doesn't earn the extra bonus rewards on travel purchases. Without the 20% bonus on travel redemptions, each point you earn is also worth less.</li>
+<li>'''Cash Rewards version'''. The cash rewards version earns 3% cash back, rather than 3x points, in your choice of categories plus 3% back on dining. No annual fee. </li>
 </ul>
@@ Line 68: / Line 65: @@
 <ul class="checklist">
 </ul>

@@ Line 52: / Line 52: @@
 === Synovus Card Options ===
-There are four different Synovus credit cards.
+There are three personal Synovus credit cards that earn rewards on your purchases. [//www.synovus.com/personal/charge/credit-cards/ Synovus Webpage].
 <ul class="checklist">
@@ Line 63: / Line 63: @@
 <li>'''Classic version'''. The classic version doesn't offer any rewards. </li>
 </ul>