synovus travel rewards visa card

Synovus Cash Rewards Visa review

Written by: Kelly Dilworth

• Balance Transfer
• Low Interest

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.

Other Notable Features: Visa checkout, car rental insurance, emergency card and cash replacement, zero fraud liability

The rewards rate on the Synovus Cash Rewards Visa is average, though it does give cardholders a good opportunity to maximize cash back on gas, grocery and restaurant purchases, thanks to its quarterly rotating bonus.

View similar cash back cards

For cardholders with excellent credit, the Synovus Cash Rewards Visa offers a very low interest rate, a 0-percent introductory period on balance transfers and new purchases and a decent cash back rewards program.

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. But be sure you can qualify for the card’s lowest rate before you apply. The Synovus Cash Rewards Visa offers a wide range of potential APRs, making it tough to guess which rate you’ll actually get.

Average cash back rate

For most cardholders, the Synovus Cash Rewards offers an average amount of cash back. You get 3 percent cash back on your restaurant purchases, 3 percent cash back on a category of your choice with a limit of $3,000 in purchases per quarter and 1 percent cash back on the remainder of your purchases. On the plus side, the rotating bonus includes very lucrative categories, such as restaurant and gas purchases, so you can take advantage of it to maximize your cash back rewards, especially if you spend more than average in a particular category. 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.

One major downside to the card is that it doesn’t offer a sign-up bonus. Many competitors offer a $100 to $200 incentive for signing and using their cards, substantially boosting your overall rewards earnings.

Industry-leading APR … for some

Despite its lackluster rewards program, the Synovus Cash Rewards Visa isn’t a bad card if you need to carry a balance. 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 average low-interest-rate credit card charges an APR around 14 percent, according to CreditCards.com data. The range of potential APRs is exceptionally wide, though, so you may not qualify for the card’s lowest rate. At 21.24 percent, the card’s maximum APR is about average for a cash back card.

Why get the Synovus Cash Rewards Visa card?

• You plan to carry a balance and can qualify for the card’s lowest rate.
• You spend a higher than average amount on restaurants, groceries or gas.
• You’re looking for a card that offers a high cash back rate in any of the above categories.
• You’re already a customer of a Synovus-affiliated bank and want a card with the same bank.

How to use the Synovus Cash Rewards Visa card:

• If you plan to carry a balance, use this card for any purchases you can’t pay off in full.
• Remember to activate your bonus category each quarter to earn the highest amount of cash back.

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Synovus Travel Rewards Visa Credit Card

The Synovus Travel Rewards Visa Credit Card offers several perks. Customers can enroll in Cardview, which makes managing credit card accounts a breeze. Customers can also set up automatic payments and account reminders. These features make life a little easier and make paying bills easy. The following are some of the features of this card. We’ve listed the main benefits and cons of this credit card. If you want a credit card that earns 1X points everywhere you shop, Synovus may be for you.

Earns 1X points on all purchases

The Synovus Travel Rewards Visa Credit Card offers a flexible rewards program. If you have a tendency to make the same types of purchases, the card earns 1X points on all purchases. There is no annual fee for the cashback or point-based versions. The Synovus Travel rewards card has an annual fee of $50, but has an excellent travel rebate program: you can earn up to 20% back on all purchases when you use your card for travel.

If you want to maximize your rewards program, apply for the Synovus Business Travel Rewards Visa Credit Card. It earns 5X points on business purchases and offers a generous introductory APR period. Moreover, it has flexible redemption options and pared-down fees, making it an excellent choice for frequent business travelers. With the Synovus card, you can easily maximize your rewards program with a low annual fee and no foreign transaction fees.

The Synovus Travel Rewards Visa Credit Card also offers flexible spending categories. Business cardholders can earn 3X points on all purchases in the Dining category, for example, if they buy lunch at work. Other categories include groceries and FedEx shipments, so they’re a good choice for business travelers. But be sure to check the card’s terms and conditions before using it.

I recently found myself in the market for a new credit card that offered travel rewards. After doing some research, I came across the Synovus Travel Rewards Visa Credit Card and considered applying for it. As someone who enjoys traveling and wants to make the most out of my credit card usage, I was intrigued by the benefits and rewards offered by this particular card.

One of the main draws of the Synovus Travel Rewards Visa Credit Card is its generous rewards program. Cardholders earn points for every dollar spent, which can then be redeemed for travel-related expenses such as flights, hotels, and rental cars. Additionally, the card offers a sign-up bonus for new cardholders, which can help offset the annual fee. As someone who frequently travels for both work and leisure, these rewards seemed particularly appealing to me.

Offers 0% intro APR for first six months

The Synovus Travel Rewards Visa Credit Card offers zero percent introductory APR on purchases for the first six months. In addition to a low introductory rate, this card has other perks, such as cash back and travel rewards. The 0% intro APR can be a good way to save money, as long as you plan your spending carefully. If you plan to use the card for purchases, make sure you use the bank affiliated with Synovus. Activate your bonus category each quarter to maximize your savings.

A 0% introductory APR is a valuable feature to look for when considering a new credit card. These offers are usually valid for a six or 21-month introductory period. After that, the 0% intro APR reverts to its regular interest rate. Ideally, you should maintain a low balance and pay it off before the 0% intro period ends.

This feature can be helpful for people who plan on making large purchases or who need to cover unforeseen expenses. The 0% APR allows cardholders to pay off their balance over a long period without incurring interest charges. However, this advantage comes with a catch. Overspending or bad credit habits may lead to higher repayment amounts than expected. To avoid these complications, it is best to set and stick to a budget before getting a credit card.

Has digital wallet compatibility

The Synovus Travel Rewards Visa Credit Card is a great choice for those who want to maximize their travel rewards. The digital wallet allows customers to use their credit cards for purchases in apps and online. This card also has a low annual fee of only $50. The introductory bonus is a great way to save money and get your first year free. The card also comes with no foreign transaction fees.

As part of its introductory bonus, the Synovus Travel Rewards Visa Credit Card has integration with the Visa Secure program. Visa Secure is an additional layer of security for online purchases and offers comprehensive fraud protection with zero liability. It may require extra information before completing a purchase online to verify a cardholder’s identity. This feature is useful for customers who use their credit card online frequently and do not want to pay high fees for every purchase.

High annual fee

The annual fee for the Synovus Travel Rewards Visa Credit Card is $95 – not a cheap amount to pay. However, the introductory APR is a generous one. The first six months are interest-free, so you can save quite a bit of money on balance transfers and overdraft protection charges. There are a few strategies you can follow to maximize your savings. The best approach to maximize your rewards is to keep balances low, spend more on gas and restaurants, and activate the bonus categories each quarter.

The Synovus Travel Rewards Visa Credit Card comes with Visa Secure, a fraud protection program from Visa. The program offers consumers greater protection against online fraud. It can verify the identity of the cardholder when purchasing online. In the event of fraudulent use, it might require additional information. However, if you travel a lot, this card can be very helpful. However, the annual fee can be a major drawback.

The annual fee for the Synovus Travel Rewards Visa Credit Card is the main drawback of the card. The annual fee is high for a credit card that has a large annual fee, but rewards can add up to a significant amount over time. The cash back rewards can be redeemed in a variety of ways, including statement credit or cash deposited directly into Synovus Bank. You can also enroll online for a cash back rewards program and redeem your points.

No sign-up bonus

One of the downsides of the Synovus Travel Rewards Visa Credit Card is its lack of a sign-up bonus. This card offers no sign-up bonus and no annual fee, but it does have cash back rewards. The benefits of this card include 3 percent cash back on dining and other purchases and a 3% cash back bonus in all other categories. You can use the cash back rewards on your purchases to pay the annual fee and for travel.

This credit card offers no sign-up bonus, but its perks are simple and straightforward. Travel is a big part of operating a business, and the Synovus Travel Rewards Visa Credit Card earns you five points for every dollar you spend on airfare, hotel stays, car rentals, and vacation packages. This credit card is suitable for business travelers who travel on a regular basis, and is free of foreign transaction fees.

Synovus’s mySynovus platform is designed for both business and personal credit card users. You can access the platform from the web or through the mobile app, available for iOS and Android devices. The user ratings for this credit card are high, and it uses 128-bit encryption for privacy and security. You will also need to enter a security token each time you login to the site. The company uses rigorous security standards to protect your data.

No cash back on travel purchases

There are several ways to maximize the benefits of Synovus Travel Rewards Visa Credit Card, but the main one is earning bonuses for your spending. As a Synovus cardholder, you’ll earn 10,000 bonus points upon first use and can change your Dynamic Earn category each quarter. The rewards are much greater than cash back, and you can redeem them for travel and other benefits every quarter.

The first way to maximize your cash back rewards is to enroll in the Synovus Card Alerts app. It’s free and easy to download on Google Play or iTunes, and it gives you access to real-time account updates. After enrolling, you’ll be notified via email, text message, or phone, depending on how you choose to sign up. You’ll need to maintain your contact information on file.

This card earns the most points on travel purchases, which includes airline tickets, car rentals, and vacation packages. Earning five times as many points as other credit cards is impressive, but there is a limit of $5,000 per year. But with the Chase Sapphire Reserve, you’ll earn 3X points on travel purchases. This credit card also has a maximum spending limit of 25,000 points a year.

1. What is the Synovus Travel Rewards Visa Credit Card?

It’s your trusty travel companion, offering you points for every purchase you make, which you can use to subsidize your wanderlust!

2. What kind of rewards can I earn with the Synovus Travel Rewards Visa Credit Card?

You can earn points on every purchase, but travel, dining, and gas purchases will earn you extra points! It’s like being given extra cookie dough bites in your ice cream—sweet and satisfying!

3. How can I redeem my rewards?

You can redeem your points for travel, gift cards, merchandise, or even cash back. It’s like having a magic lamp where you can make multiple wishes!

4. Does the Synovus Travel Rewards Visa Credit Card have an annual fee?

This card does have an annual fee. Be sure to check Synovus’ website for the most recent information. It’s like checking the expiration date on your milk—you don’t want any unpleasant surprises!

5. Is there a limit to the number of points I can earn?

No, there is no limit to the number of points you can earn! It’s like a buffet, but instead of food, you’re filling up on points!

6. Does the Synovus Travel Rewards Visa Credit Card have foreign transaction fees?

The card does not have foreign transaction fees. That means you can swipe freely around the globe, just like a rock star on a world tour!

7. Can I get a cash advance with my Synovus Travel Rewards Visa Credit Card?

Yes, you typically can, but remember it’s like eating dessert before dinner. It might seem like a good idea, but there are usually higher interest rates and fees associated with cash advances!

8. How do I apply for the Synovus Travel Rewards Visa Credit Card?

You can apply online or in-person at a Synovus branch. It’s as straightforward as ordering your favorite coffee – just pick your option and provide the necessary details!

9. Can I manage my Synovus Travel Rewards Visa Credit Card online?

Absolutely! Synovus offers online and mobile banking, so you can manage your account from the comfort of your couch or on the go. It’s like having a mini-bank in your pocket!

10. Does the Synovus Travel Rewards Visa Credit Card offer any travel protections?

Yes, the card does offer some travel protections, such as travel accident insurance and auto rental collision damage waiver. It’s like having a safety net for your vacation!

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