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Synovus Impressions and DPs.

JNA1
Valued Contributor

Synovus Impressions and DPs.

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. 

 

12E75844-12FB-44E2-AA68-610644B668A6.jpeg

 

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.

 

 

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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). 
74862FC2-FE43-44B2-9B17-DFFE1ECD1DD3.jpeg

 

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

 

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  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! 

My credit card journey started 3/2018


Hover over cards to see limits and usage.
Total CL - $222,950
Cash Back and SUBs earned as of 3/25/21- $5248.72

CU Memberships

Goal Cards:


Message 1 of 18
17 REPLIES 17
JNA1
Valued Contributor

Re: Synovus Impressions and DPs.

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

My credit card journey started 3/2018


Hover over cards to see limits and usage.
Total CL - $222,950
Cash Back and SUBs earned as of 3/25/21- $5248.72

CU Memberships

Goal Cards:


Message 2 of 18
CreditCuriosity
Moderator

Re: Synovus Impressions and DPs.

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 Smiley Happy.

Message 3 of 18
GApeachy
Super Contributor

Re: Synovus Impressions and DPs.

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

I am wondering if I can get a cc off the same hp when I refi my LOC with them and of course they'll pull our biz cr.

Thoughts on biz cards?

 

Synovus biz card offer.png

"My Take Home Pay Don't Take Me Home"
Message 4 of 18
FormerCollegeDJ
Contributor

Re: Synovus Impressions and DPs.


@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 Smiley Happy.


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

Playing the credit card rewards game since early May 2020.

Current credit cards:
*Discover Cash It, 10/5/94, $10,000 CL
*American Express Hilton Honors, 9/23/96, $16,500 CL
*Kohl's store card, 7/31/00, $2500 CL
*Chase Amazon Rewards Visa, 10/29/06, $7000 CL
*Citi Sears/Thank You Rewards Mastercard, 9/19/09, $2001 CL (LOL)
*Citi My Best Buy Visa, 12/29/11, $4600 CL
*Bank of America Amtrak Guest Rewards Platinum Mastercard, 10/17/15, $15,000 CL
*Bank of America AAA Member Rewards Visa, 3/9/17, $15,000 CL
*Chase Freedom Unlimited Visa, 6/29/20, $11,000 CL
*Chase Freedom Flex Mastercard, 11/9/20, $9900 CL
*Capital One SavorOne Mastercard, 3/30/21, $10,000 CL
*Wells Fargo Propel American Express, 4/11/21, $10,000 CL

Next target credit cards:
*US Bank Cash+ Visa
*Elan Financial Services Max Cash Preferred (S&T Bank Visa version)
*PSECU Founder's Card Visa or Chase Sapphire Preferred Visa
Message 5 of 18
Heatt99
Regular Contributor

Re: Synovus Impressions and DPs.

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.

Message 6 of 18
JNA1
Valued Contributor

Re: Synovus Impressions and DPs.


@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! 

My credit card journey started 3/2018


Hover over cards to see limits and usage.
Total CL - $222,950
Cash Back and SUBs earned as of 3/25/21- $5248.72

CU Memberships

Goal Cards:


Message 7 of 18
galahad15
Valued Contributor

Re: Synovus Impressions and DPs.

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.

Message 8 of 18
Wile
Regular Contributor

Re: Synovus Impressions and DPs.


@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 Smiley Happy.


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??

Message 9 of 18
Wile
Regular Contributor

Re: Synovus Impressions and DPs.

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...

Message 10 of 18
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