THE CARDTUNED DATABASE
Synovus Cash Rewards Visa Credit Card
Issuer: Synovus Bank · Network: Visa
3% cash back on dining; 3% on one Dynamic Earn category up to $3,000 net spend quarterly; 1% elsewhere
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% for first 6 months on purchases, balance transfers and overdraft protection
- Regular APR
- 13.74%–24.99% variable APR after the introductory period
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Relationship bonus varies: Plus Checking $100 after $3,000 in 90 days; Inspire or Private Wealth $500 after $5,000 in 90 days
- Spending requirement
- $3,000 (Plus); $5,000 (Inspire / Private Wealth)
- Time window
- 90 days
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Dining | 3% | cash back on dining |
| Eligible purchases | 3% | on one Dynamic Earn category up to $3,000 net spend quarterly |
| Eligible purchases | 1% | elsewhere |
Additional benefits
• 0% APR for six months on purchases, transfers and overdraft protection
• Relationship-tier acquisition bonuses for eligible checking clients
Restrictions to know
Dynamic Earn is capped at $3,000 net spend per quarter and category coding controls eligibility. Relationship bonus requires the applicable Synovus checking tier and qualifying net spend within 90 days. After six months, 13.74%–24.99% variable APR applies. Foreign transactions cost 3%.
Who can apply
Regional eligibility and underwriting apply.
Credit profile: Not Public / issuer underwriting applies