topic Re: Synovus Impressions and DPs. in Credit Cards

Synovus Impressions and DPs.

JNA1 — Thu, 08 Apr 2021 11:50:34 GMT

In the interest of giving back to the great people and info I've learned here, I thought I'd give a review of my new Synovus Travel Rewards card. When researching this card for myself, I found that the available info was less than most cards I've gotten. This card has 5% cash back up $5K per year for vacation purchases, a selectable 3% category up to $3K quarter, and 1% on everything else. Synovus has a couple of other Rewards cards besides this one as well that are pretty good.

I was approved for $16K @ 12.24% with F8 scores in the 770's across the board. They actually pulled F9 EQ, which is actually a little higher than my F8 scores at 794.

App and online banking: The app is simple and pretty well laid out. It's easy to navigate, but there is not a luv button that I can see.

Alerts: All alerts except purchase alerts can be set on the main site, but for some strange reason there is a separate app for card alerts that purchase alerts are set up in. That's kind of annoying, but you can setup up purchase alerts to push notifications, email, or text alerts. So far, I downloaded the card alerts app and I haven't had to go back into that separate app. It seems to be set and forget it (hopefully).

Rewards: I've seen Synovus' Rewards be referred to as a "BBVA ClearPoints clone", and that's not too far off, as far rewards go. In fact, the rewards interface is identical. After researching, I found that TSYS handles the rewards for both cards, so that makes sense. Ive read this card has broad categories, so I assume it will be similar to BBVA in that regard. Points show up as soon as the purchase posts just like BBVA. There is a $25 minimum redemption, but there is a Pay Me Back feature that lets you pay smaller purchases with the points. Cash back can be redeemed as statement of cash back directly into a Synovus account, which is what I did.

You can see from the pics, it the same structure as BBVA

Overall, so far I really like the card. I have tons of vacation time rolled over from last year, and all my vacation cash back from 2020 is sitting in the bank, so the 5% up to $5000 will maxed out this year! I can't wait!

Re: Synovus Impressions and DPs.

JNA1 — Thu, 08 Apr 2021 05:21:12 GMT

@FinStar <I think> I solved my large picture issue. Please let me know if not.

Re: Synovus Impressions and DPs.

CreditCuriosity — Thu, 08 Apr 2021 11:59:05 GMT

Synovus has pretty good cards and are generous with their CL's. No complaints from me at all. Would highly suggest them to people in their geo footprint ir if they are near a branch while traveling to stop by the branch and apply for one .

Re: Synovus Impressions and DPs.

GApeachy — Thu, 27 May 2021 11:28:05 GMT

Thanks! @JNA1 They've been emailing an offer for one of their biz cards.

Thoughts on biz cards?

Re: Synovus Impressions and DPs.

FormerCollegeDJ — Thu, 08 Apr 2021 12:35:13 GMT

@CreditCuriosity wrote:
Synovus has pretty good cards and are generous with their CL's. No complaints from me at all. Would highly suggest them to people in their geo footprint ir if they are near a branch while traveling to stop by the branch and apply for one .

As a friendly heads up, you can see a map of Synovus Bank's branch locations at the following link:

https://www.usbanklocations.com/map.php?zoom=4&lat=39.368279&lon=-98.891603&name=Synovus+Bank

For those of you who don't want to look at the link, Synovus Bank has branches in the following states:

*Alabama

*Florida

*Georgia

*South Carolina

*Tennessee

Re: Synovus Impressions and DPs.

Heatt99 — Thu, 08 Apr 2021 13:22:06 GMT

Thank you for the DPs. This card is on my radar for Q4 app spree. Will have to drive to their branch, so hopefully they accept customers from NC.

Re: Synovus Impressions and DPs.

JNA1 — Fri, 09 Apr 2021 20:20:54 GMT

@Heatt99 wrote:
Thank you for the DPs. This card is on my radar for Q4 app spree. Will have to drive to their branch, so hopefully they accept customers from NC.

Good luck with it!

Re: Synovus Impressions and DPs.

galahad15 — Mon, 12 Apr 2021 13:18:52 GMT

The card honestly sounds very intriguing, but the AF is most likely a no-go for me, in terms of if I would ever app for it. Cash+ has 5% rewards categories (albeit in completely different categories), with no AF, and so I think I'll stick with Cash+ for now, for the 5% rewards perks.

Re: Synovus Impressions and DPs.

Anonymous — Mon, 12 Apr 2021 18:37:12 GMT

@FormerCollegeDJ wrote:
@CreditCuriosity wrote:
Synovus has pretty good cards and are generous with their CL's. No complaints from me at all. Would highly suggest them to people in their geo footprint ir if they are near a branch while traveling to stop by the branch and apply for one .
As a friendly heads up, you can see a map of Synovus Bank's branch locations at the following link:

https://www.usbanklocations.com/map.php?zoom=4&lat=39.368279&lon=-98.891603&name=Synovus+Bank

For those of you who don't want to look at the link, Synovus Bank has branches in the following states:

*Alabama
*Florida
*Georgia
*South Carolina
*Tennessee

Is there a way to apply for their CC without living or traveling to said states? I live in North East....don't travel to these states nor I ever have had....Any hope for me, otherwise??

Re: Synovus Impressions and DPs.

Anonymous — Mon, 12 Apr 2021 18:38:36 GMT

Is this bank sensitive to inquiries, number of open accounts and total available credit? Which Credit bureau they pull from? What's the data-points? Thanks...

Re: Synovus Impressions and DPs.

JNA1 — Mon, 12 Apr 2021 19:23:55 GMT

From what I read, they aren't particularly sensitive to inquiries or accounts, though I was only 2/12 on Equifax. They pull F9 EQ.

Re: Synovus Impressions and DPs.

FinStar — Mon, 12 Apr 2021 19:35:14 GMT

@Anonymous wrote:
@FormerCollegeDJ wrote:
@CreditCuriosity wrote:
Synovus has pretty good cards and are generous with their CL's. No complaints from me at all. Would highly suggest them to people in their geo footprint ir if they are near a branch while traveling to stop by the branch and apply for one .
As a friendly heads up, you can see a map of Synovus Bank's branch locations at the following link:

https://www.usbanklocations.com/map.php?zoom=4&lat=39.368279&lon=-98.891603&name=Synovus+Bank

For those of you who don't want to look at the link, Synovus Bank has branches in the following states:

*Alabama
*Florida
*Georgia
*South Carolina
*Tennessee
Is there a way to apply for their CC without living or traveling to said states? I live in North East....don't travel to these states nor I ever have had....Any hope for me, otherwise??

Not unless you are in their footprint area or happen to receive a targeted mailer or solicitation, just like BB&T @Anonymous.

Re: Synovus Impressions and DPs.

Anonymous — Mon, 12 Apr 2021 19:39:07 GMT

But if I stop-by to any of their branches, can I be able to apply for their CC products? Or I will still be prohibited? Thanks

Re: Synovus Impressions and DPs.

FinStar — Mon, 12 Apr 2021 19:42:32 GMT

You'd need to open up a deposit account of some sort, IIRC. Then you can apply for a CC. Can't recall if they're Chex sensitive or not.

Re: Synovus Impressions and DPs.

Anonymous — Mon, 12 Apr 2021 19:57:40 GMT

@FinStar wrote:
You'd need to open up a deposit account of some sort, IIRC. Then you can apply for a CC. Can't recall if they're Chex sensitive or not.

Can a deposit account be opened online without traveling there or I must need to travel and open up an account there in person??

Re: Synovus Impressions and DPs.

FinStar — Mon, 12 Apr 2021 20:23:48 GMT

@Anonymous wrote:
@FinStar wrote:
You'd need to open up a deposit account of some sort, IIRC. Then you can apply for a CC. Can't recall if they're Chex sensitive or not.
Can a deposit account be opened online without traveling there or I must need to travel and open up an account there in person??

In person. Unless things have changed recently, you can explore to see if it allows you to do so online if you're out of their geographic location.

If traveling, you would likely need to make an appointment given pandemic protocols.

Re: Synovus Impressions and DPs.

JNA1 — Mon, 12 Apr 2021 23:28:51 GMT

@FinStar @Anonymous

I am in their footprint, but I had also had to open a free checking account to be able to apply for the card. I did it all online, and it was instant. The whole process took 15 mins or so (checking account and card).

You might just want to see if you start the process online. I would think it would kick you off pretty quickly if they have it geolocked.

Re: Synovus Impressions and DPs.

Anonymous — Tue, 13 Apr 2021 00:56:34 GMT

@JNA1 wrote:
@FinStar @Anonymous
I am in their footprint, but I had also had to open a free checking account to be able to apply for the card. I did it all online, and it was instant. The whole process took 15 mins or so (checking account and card).

You might just want to see if you start the process online. I would think it would kick you off pretty quickly if they have it geolocked.

Ok...Thnx....I might give them a call as well ...tomorrow to see if they do allow opening an account online for outsiders...Same situation with BBVA...I was able to open a checking account with BBVA more than a month ago...and now I could see CC offers on my account...but I am not sure I will be applying for any card as of now because I did open 8-9 new accounts within a month....I might wait a year or two, I think...no sure yet...If they allow outsiders to open an account online then it would be wonderful...will save a long trip...Planning on a Disney Vaccation anyway with couples of friends...a few work for Disney...so getting a free Disney vacation...so will be in FL...Let's see how it goes...Thanks for the datapoints...

Re: Synovus Impressions and DPs.

DONZI — Mon, 03 May 2021 16:48:38 GMT

Thanks for the DP info!

As I understand it, for approvals with >= $10K CL a Visa Signature will be issued, otherwise a classic. The diff. seems to distill down to inclusion of boilerplate Visa Sig. curated benefits of A) hotel / resort and B) dining for the VS card.

Any insight if the other cards have Classic and Signature flavors also?

In regard to the custom categories, do any of the cards offer similar to the BBVA CP with utility, auto, etc type categories? ..any chance a screenshot or list of the categories for any of the synovus cards?

Re: Synovus Impressions and DPs.

CreditCuriosity — Tue, 04 May 2021 03:00:28 GMT

@DONZI wrote:
Thanks for the DP info!

As I understand it, for approvals with >= $10K CL a Visa Signature will be issued, otherwise a classic. The diff. seems to distill down to inclusion of boilerplate Visa Sig. curated benefits of A) hotel / resort and B) dining for the VS card.

Any insight if the other cards have Classic and Signature flavors also?

In regard to the custom categories, do any of the cards offer similar to the BBVA CP with utility, auto, etc type categories? ..any chance a screenshot or list of the categories for any of the synovus cards?

Synovus doesn't offer visa signatures that i am aware of. Card I got started out at 18k and was a non signature, don't believe it is offered as a signature.

Yes the cash version certainly offers categories you choosed and managed through tsys if i recall being rewards they manage for synovus.