After that, you'll pay a $48 annual fee and $75 in monthly maintenance fees for a total of $123 per year. Most people's scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. All Rights Reserved. I went online and researched the Better Business Bureau and found a secured card by First Progress (Synovus … Established in 1888, Synovus Bank is a preferred choice for the people in the Southeastern states. I advise anyone else wary of the same kind of issue to not bank with Synovus. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Information is displayed first and foremost for the benefit of consumers. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. Read employee reviews and ratings on Glassdoor to decide if Synovus is right for you. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Synovus Cash Rewards Visa® Credit Card . Your web browser (Internet Explorer) is out of date and no longer supported. If you can maintain $15,000 across your deposit, loan and credit card accounts, you can earn an extra 0.05%. Yes. The Synovus Classic Visa® Credit Card is a pared-down credit card offering from Synovus Bank that will intrigue anyone who is looking for the lowest interest rates Synovus has to offer, along with a card … In a Nutshell: The Synovus Cash Rewards Visa Platinum card offers one of the lowest interest rates you can get on a credit card, but its balance transfer offer only lasts for six months, making it a riskier choice for cardholders with big balances… You’re looking for a card that offers a high cash back rate in any of the above categories. See your unique approval odds listed next to cards on our site. Consumer Reports rating: 90 (36% ranked higher), Google Play Store mobile app rating: 3.3/5, 3% cash back on quarterly category ($3,000 quarterly purchase limit), Can redeem rewards as statement credit or deposit into a checking or savings account, You must remember to activate your bonus category each quarter (though at least it defaults to gas purchases, so you still earn the 3% bonus), Can’t transfer cash to other rewards programs. Your customer service is HORRIBLE. For those who can reach a $25,000 average daily balance across Synovus Bank … It is not our partner’s responsibility to ensure all posts or questions are answered. Yes, applying for the First Digital Mastercard will do a hard pull on your credit report. Therefore, it's not a good idea to carry a balance on this card. The range of potential APRs is exceptionally wide, though, so you may not qualify for the card’s lowest rate. I have tried from going to a branch and requesting in person, to have the cards delivered to the branch. Synovus Bank is a full-service financial services company that’s proud to meet the banking needs of families, individuals and businesses across the Southeast. How much is the First Digital Mastercard annual fee? So I pay all of my accounts on the first of the month, unless the first day falls on the weekend and the bank is close. You’re already a customer of a Synovus-affiliated bank and want a card with the same bank. That's one of the most expensive credit card APRs on the market, and the average credit card charges around 19%. Synovus Bank Review Synovus Bank was founded in 1888 and is based in Columbus, GA. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. There is no way to get pre-approved for the First Digital Mastercard. The payment process is easy and the payment terms are affordable. You can learn more about how to minimize the credit score damage here. If you’re willing to finance a product you need to stand behind consumers after purchase is complete and help with product resolution. Instead, you’ll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards you’re likely to be approved for. They openly lied about it saying it wasn’t their fault, even though it’s easily traced back to them being at fault. If you like to receive cash back from your spending, then the Synovus Cash Rewards Visa® Credit Card is an attractive way to do that. The First Digital Mastercard is legit. Find reviews and ratings for Synovus Bank. The application is available online, and First Digital's website says you can get a decision in as little as 60 seconds. You can check the profile page of each professional or company to determine whether they are a paying advertiser (indicated by the word "sponsored"). However, we do receive compensation when you click on links to products from our partners. You can use it for purchases anywhere Mastercard is accepted in the … CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Synovus Travel Rewards Visa® Credit Card Review. ... but she also did a previous stint at Bankrate as the credit card reporter. CreditCards.com is an independent, advertising-supported comparison service. For cardholders with excellent credit, the Cash Rewards Visa offers a standout APR of just 9.24 percent, which is well below the vast majority of cards. The Synovus Travel Rewards Visa Credit Card is a travel rewards card that shows great potential for cardholders who consistently … It’s why they smile when they see their customers in any of their nearly 250 locations across the Southeast—from major cities to the main-street hometowns. The Synovus Cash Rewards Visa Platinum card offers one of the lowest interest rates you can get on a credit card, but its balance transfer offer only lasts for six months, making it a riskier choice for cardholders with big balances. At 8 a.m. on 8/10, the check did clear. At a SmartAsset rating of 3.9 stars out of 5, Synovus Bank should be near the middle of the pack in your search for a bank. Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. Having a banking background, I'm finding Synovus to be either deceptive or just way behind other banks with regards to covering a negative balnce within the same day to avoid accruing a NSF fee. Reasonable efforts are made The APR for cash advances (using your card like a debit card to withdraw cash) is equal to the regular APR. We’re sorry, but something went wrong and we couldn’t find your approval odds. The Synovus Bank credit cards offer no annual fee, attractive rewards and benefits package. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. Privacy Policy. And, though you must activate the category each quarter to earn the bonus on the category of your choice, it defaults to gas purchases in case you fail to activate it. Their credit cards offer great opportunities to rebuild credit. Rating 3.77/ Synovus Bank has an overall customer satisfaction rating of 3.8 out of 5 stars based on 60 votes and 6 reviews & complaints for 284 branches. Other Notable Features: Visa checkout, car rental insurance, emergency card and cash replacement, zero fraud liability. Visa checkout, car rental insurance, emergency card and cash replacement, zero fraud liability. Most banks will allow you to go negative in your checking account, and so long you deposit funds to cover your negative balance within the same day before 6pm (typically), you will not accrue a NSF fee. Synovus Bank Credit Cards. One major downside to the card is that it doesn’t offer a sign-up bonus. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. You will find other banks do not have this same policy set in place. Though it features a merely average cash back program, the Synovus Cash Rewards card does offer an exceptionally low interest rate for cardholders with excellent credit, making it a good basic credit card if you plan to carry a balance. YES. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Makes no sense to me. Read real Synovus Bank reviews written by Credit Karma members. You spend a higher than average amount on restaurants, groceries or gas. In addition, this information does not originate from us and thus, we do not guarantee its accuracy. Does First Digital Mastercard do a hard pull. If hidden fees and double talk is what you are looking for this is the place for you. Editorial Note: Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by Synovus … Please download one of these up-to-date, free and excellent browsers: Took out my loan payment after I already made it for the month. On the personal side, Synovus offers installment loans, a variety of vehicle loans and personal lines of credit. Synovus Bank Review 2021. The interest rate seems moderate for my credit score. The app is slow but easy to use, the 0 annual fees are great, the 1.5% cash is great, I got a great … A credit card issuer is a credit union or a bank, such as Synovus Bank, where you can apply for your new credit card. Remember to activate your bonus category each quarter to earn the highest amount of cash back. You won’t need perfect credit to apply, but … You plan to carry a balance and can qualify for the card’s lowest rate. Shop Credit Cards Balance Transfer Cards Reward Cards Travel Cards Cash Back Cards 0% APR Cards Business Cards Cards for Bad Credit Cards for Fair Credit Secured Cards Search Credit Cards… Synovus royally ruined my closing on my house. The bank claimed that the system will automatically take the payment out even if it's already been made. Get essential reads every week with our newsletter. Request Card Terms If you already have a personal credit card with us, you can receive the terms of your card upon request. Privacy Policy, Essential news and expert tips in your inbox every week. It provides commercial and retail banking, … I'm closing my account now, and banking elsewhere. Learn more about Synovus Bank and its products by browsing the services it offers. Synovus Classic Visa® Credit Card Review. All Credit Cards are subject to credit … That's how you lose customers. Keep an eye on your inbox—we’ll be sending over your first message soon. Read our review and rate the card… Important Disclosure Information. Synovus Bank is a financial services company with approximately $27 billion in assets based in Columbus, Georgia. Introductory Balance Transfer APR0% for 6 months. Michael, thanks for the suggestion! Copyright © 2021 CreditCards.com a Red Ventures Company. The service marks and trademarks used herein belong to their respective owners. Still NOTHING. So to recap, the First Digital Mastercard's annual fee of $75 plus the $95 program fee will run you a total of $170 during the first year. I hope anyone reading this never uses this bank and I will tell anyone who asks me who they should use to steer far from Synovus. Excellent card, especially for int'l travel and if you are new to credit cards. Will definitely recommend everyone NOT to do business with you. Caused seven transactions to bounce. Despite its lackluster rewards program, the Synovus Cash Rewards Visa isn’t a bad card if you need to carry a balance. Current Employee - Credit Analyst ... Former Employee - RLC Relationship Card Representative ... Glassdoor has 342 Synovus reviews submitted anonymously by Synovus employees. CreditCards.com does not include the entire universe of available financial or credit offers. The First Digital Mastercard is a high interest card issued by Synovus Bank, and is designed for rebuilding bad credit or improving limited credit. Requesting in person, to have at least 130 more characters to conversation. 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