Best Synchrony Bank Cards For Good Credit
Synchrony Bank Store Cards – Fair Approval Store Cards Easy Credit Approval
When it comes to store credit cards, having good credit is typically enough to qualify for pretty much any card you like, especially if you have a fairly long credit history, as well. Make sure you investigate the cards benefits carefully, however, as few store co-branded cards can truly compete with the broader credit card market.
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- OpenSky® Secured Visa® Credit Card: Best for low-interest credit-building
Why Might You Not Want A Store Credit Card
Here are some reasons why Synchrony cards might not make sense for you:
- High interest rate Synchrony cards may boast interest rates above 25%, compared to the national average of under 17%. That means your bills can add up pretty quickly if you carry a balance from month to month.
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What Credit Agency Does Amazon Use
What Credit Bureau Does Amazon Use When Pulling Your Credit For Amazon Prime Rewards Visa? Amazon uses Chase for its credit cards. Chase uses all three credit bureaus and the FICO 8 model when making credit decisions.
Is Alphaeon credit hard to get? Alphaeon Credit Card is a great Credit Card if you have fair credit . Their APR is quite high . If youre looking to apply, we recommend at least a 630 credit score. If youre not sure what your Credit Score is, apply for a report, here.
Can you pull cash from CareCredit?
You can get a CareCredit Mastercard cash advance at any ATM or with the convenience checks they send you. In addition, they will treat any purchase of certain cash like items as cash advances.
Can you get denied CareCredit? Once the lender has completed a credit risk assessment, they will either approve or deny your loan. The lender will also decide what interest rate to charge you. If youre considered high-risk, you may be denied credit entirely or you may be offered a loan with a very high interest rate.
Where We Got The Data
The credit card application process isnt particularly transparent.
Generally, you fill out an application form online or in person, and wait for a response to pop out. It often seems like you dont have much control over the result.
Given how unclear the process is, its probably not a surprise that lenders dont tell us which credit bureaus they work with.
What that means is that we gathered this information from people who applied for cards from Synchrony.
Whenever you apply for a loan of any kind, the lender is likely to check your credit report. When a credit bureau receives a request for a copy of your report from a lender, the bureau takes note of that request.
These hard pulls on your credit report will stay on record for two years after the date of the inquiry. Each hard pull will also reduce your credit score by a little bit.
We used CreditBoards.com to collect the majority of the data about Synchronys use of TransUnion report.
People use the website to gauge their chances of qualifying for certain cards. After they apply for a card, users report information like their income, credit score, the bureau that the hard pull appeared on, and whether they were approved or not.
Other borrowers can compare themselves to others on the board to see if they have a good chance of getting a card.
We use just the last three years worth of data to make sure were offering the most up-to-date info we can.
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Opensky Secured Visa Credit Card: Best For Low
- What we love about the OpenSky Secured Visa Credit Card: You can choose your own credit limit . And if you tend to carry a balance, its 20.39 percent variable APR can save you a lot of money compared to other credit cards for bad credit.
- Who this card is good for: Someone who wants more control over their credit. Choosing your own credit limit can help you manage your credit utilization ratio and credit score more effectively.
- Alternatives: If you can pay your balances in full each month and dont need a low-interest credit card, the BankAmericard® Secured Credit Card comes with a higher potential credit limit but also a higher APR.
All information about the BankAmericard® Secured Credit Card has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.
Which Credit Report Does Synchrony Bank Pull
Though you may not have heard of Synchrony Bank, there is a very good chance that youve interacted with the company in the past.
Synchrony Bank is a major issuer for store-branded credit cards offered by companies such as American Eagle, The Gap, Banana Republic, eBay, and Sams Club.
When you apply for a card from Synchrony, the lender is most likely to check your credit report from TransUnion.
In fact, Synchrony uses TransUnion nearly exclusively.
Though all three credit bureaus use your financial activities as the basis for their reports about you, there is the possibility that each bureau will have slightly different details and scores.
Thats why knowing which credit bureau will be used by a lender is important.
We learned this information by reviewing 167 consumer-reported credit inquiries from January 2015 through December 2017.
That information showed that Synchrony works with TransUnion almost exclusively.
There are some cases where Synchrony may check another bureaus report, but those cases are exceedingly rare.
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Best Capital One Card For Poor Or Limited Credit
As with most issuers, Capital Ones option for people with poor or severely limited credit is a secured credit card, which requires a deposit to open and maintain. Your deposit is fully refundable provided your account is kept in good standing.
| $0 | Limited, Bad |
This card is somewhat unique in that the required minimum deposit will vary based on your credit history, though the minimum starting credit line will be the same $200 for all approved applicants.
What Are The Best Synchrony Bank Credit Cards
PayPal MasterCard Synchrony Credit card Approval and Review!!
Some of Synchronys credit cards come with better financial benefits than others. But, of course, the real measure is whether you actually shop at a specific store and how the related perks can actually help you.
Theres no sense in getting a credit card you wont use , so take this list with a grain of salt. Still, there are some major differences in what each credit card offers.
In an attempt to help the broadest range of consumers, weve pulled together the Synchrony credit cards with the best overall benefits.
Start looking at these, and then follow up with research on other Synchrony Bank credit cards that specifically interest you.
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Best Credit Cards For Bad Credit In December 2022
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As a Bankrate credit cards editor, Ashley Parks is fascinated by the ways people can make credit cards work for them when armed with the right knowledge.
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Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar.
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Sally Herigstad is a personal finance writer, columnist, author and retired CPA. She wrote a CreditCards.com column called To Her Credit for 10 years, answering readers questions about credit, debt, finances and family relationships, and more. With a background in public accounting, she joined the personal finance team at Microsoft in 1998. She has been working to help people take control of their finances ever since.
Find Out Your Credit Score
Checking your credit score these days is affordable, easy, and totally risk-free. Knowing what your exact score is right now will help you figure out exactly which cards you are most likely to qualify for.
If you get a detailed report, youll also be able to see exactly what is hurting your score the most so that you can start repairing the parts causing the most damage. For example, you might not have a lot of total debt but your utilization might be too high. Requesting credit limit increases or opening new lines of credit that you dont use would be a quick way to lower your utilization rate and boost your score.
Recommended Reading: What Is The Average Credit Score In The United States
American Express Credit Card Approval Odds
American Express has a robust product line that offers dozens of consumer and business credit cards, including a number of hugely popular rewards credit cards.
Despite this abundance, however, the issuer has nothing to offer consumers with fair or limited credit, instead focusing on applicants with at least a good credit score and positive credit profile.
Easiest Credit Cards To Get With A Prior Bankruptcy
Bankruptcy, the last-resort option for dealing with overwhelming debt, tarnishes your credit history for up to a decade. But while that bankruptcy ball-and-chain can make it difficult to find willing credit card companies, getting the credit you need to start rebuilding your financial future may be easier than you think.
In fact, some lenders are perfectly happy dealing with applicants who have discharged bankruptcies, essentially because you are less likely to and, in some cases, unable to go through bankruptcy anytime soon.
Our best credit card recommendations for after bankruptcy have flexible credit requirements and report to the credit bureaus to help you rebuild your credit.
The most important step when rebuilding credit history after bankruptcy is to pay your new credit card on time every month.
As your bankruptcy discharge ages, it will have less impact on your credit, and your recent payment history will become the dominant factor in your credit score. You should also maintain a low balance and avoid opening excessive new accounts.
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Can You Do A Balance Transfer With Bad Credit
get a balance transfer credit card when you have poor creditbest balance transfer credit cards Arrow Right
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer’s web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the authors alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the banks website for the most current information.
How To Check Your Own Credit Reports
If you know how there are a lot of easy ways to check your credit report for free.
Our first recommendation is that you use AnnualCreditReport.com. That website is the only one that is officially sanctioned by the US government, and it doesnt force you to sign up for any subscriptions to access your report.
Through the site, you can get one copy of your credit report from each bureau, once per calendar year, free of charge.
If you want to look at your credit reports more than once per year, you can space out your requests.
Request a copy of your TransUnion report, wait four months, then request a copy of your Experian report, wait another four months and request a copy of your Experian report. This gives you free updates on your credit every four months.
Tip: Some card issuers, like Capital One and Discover, also offer free access to your credit report as a benefit of being a cardholder.
When you do want to pull a copy of your report from AnnualCreditReport.com, use these tips.
- Enter your information accurately and double check it. Mistakes might lock you out temporarily.
- Youll be asked verification questions. Some of these are trick questions, so dont be afraid to answer none of the above.
- Save or print a copy of your report as soon as you get it, otherwise, youll lose it if you close the browser window.
- Consider pulling your report from a different bureau every four months. That lets you get consistent updates for free.
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Improving Your Credit Score
As long as youre not paying an annual fee, keep the credit card open as long as you can, even if you dont have a balance. Part of your credit score relies on the age of your accounts, so the longer you have your credit cards, the better your credit scores will be.
Thats another argument for opening up more than one account at the same time since continually opening a new credit card will lower your overall age of accounts.
Its a complicated dance when it comes to maintaining or building your credit, so do your best to think about the next year or two and what your credit goals are.
Amazon Prime Store Card
Amazon Prime Store Credit card Issued by Synchrony bank Approval and Review!!
Heres why: If youre an eligible Amazon Prime member, the Amazon Prime Store Card offers 5% back in rewards on your Amazon.com purchases.
That 5% back which you receive in the form of points equal to 5% of each purchase made can be used for future purchases or statement credit.
The Amazon Prime Store Card can be used on most purchases at Amazon.com and with select Pay With Amazon merchants. But this is a closed-loop card, which means you can use it only at specific stores or groups of stores. The card also wont allow you to pay for certain Amazon purchases, including rentals or digital add-on subscriptions like Starz.
Its also worth keeping in mind that an Amazon Prime membership costs $119 per year, so this card might not be worth it for people who dont already use the service.
Amazon offers a handful of credit cards, and not all of them are issued by Synchrony. See which is best for you in our
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What/who Is Synchrony Bank
Synchrony Bank is a bank insured by the Federal Deposit Insurance Corporation and based out of Utah. Synchrony has been a leader in consumer financial services for more than 85 years and provides a variety of financing options for many well-known brands across the country, including companies such as Amazon, Walmart, and eBay.
Synchrony offers three financing solutions retail credit cards, CareCredit for healthcare-related financing, and promotional financing for major consumer purchase and has more than 80 million active accounts. In addition to its financing options, Synchrony also offers a variety of FDIC-insured savings products, including a high-yield savings account.
Theres a possibility that you already have a Synchrony Bank card in your wallet. Why? Synchrony is the largest issuer of private label credit cards in the U.S., with over 120 credit cards and store-branded cards. If theres a retail chain store you like to shop at, chances are it offers a credit card and that credit card has a good chance of being a Synchrony Bank product.
Synchrony works with businesses across a broad range of markets and industries, such as:
- Auto parts and services
What Is Synchrony Bank’s Credit Score Approval
This depends on the card that you’re applying for. Many require a credit score of over 740. However, there are others that allow for fair credit ratings . In general, cards with perks require a higher credit score.SuperMoney’s credit card comparison tools make it easy to compare an extensive list of personal credit cards.
Read Also: Paypal Credit Card Credit Score
Why Does Synchrony Lower Credit Limits
It’s likely that Synchrony Bank lowered your credit limit because your recent credit history showed that you were a higher-risk customer than you had been in the past. … If you’d like to get your limit raised, aim to improve your credit utilization and work on making minimum payments on-time every month.
FAQs
What credit score does Synchrony Bank approve? ›
What's the Synchrony Bank credit card credit score requirement? It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit.
Is it hard to get approved by Synchrony Bank? ›While Synchrony does not have a “Shopping Cart Trick” like Comenity Bank credit cards to make approvals much easier, they are still considered a bank that is more likely to approve applicants.
What FICO model does Synchrony Bank use? ›The FICO credit score has long been dominant in consumer securitizations — where lenders bundle consumer loans so that investors can buy a chunk — but that may be starting to change. The credit card issuer Synchrony Financial used FICO's top competitor, VantageScore, on a recent $1 billion securitization deal.
What credit score is needed for synchrony car care credit card? ›This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege. Fair or better credit required. You will have good approval odds if your credit score is above 650.
What is the easiest synchrony card to get? ›Easiest Synchrony Cards To Get
If you have bad credit you might be better off either using the SCT or getting a secured card such as the Discover it secured.
Synchrony also pre-screens customers by using data compiled from three credit bureaus: TransUnion, Equifax, and Experian. Plus, it mails prepaid offers to consumers who have at least fair credit (a credit score between 640-699). To receive a credit card after being pre-approved, you still need to apply.
Is synchrony a hard or soft pull? ›Yes, Synchrony Bank, like any other issuer for that matter, will do a hard pull when you apply for a credit card. Most Synchrony Bank credit cards require fair credit to apply, but the credit score effects should be negligible.
What credit score is needed for synchrony premier mastercard? ›The Synchrony Premier World Mastercard® credit score requirement is 750 or better. That means people with excellent credit have a shot at getting approved for the Synchrony Premier Card.
What credit score does Amazon use? ›The Amazon.com Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Amazon.com Store Card, on the other hand, requires a 640+ credit score (fair credit).
How do you qualify for Synchrony Bank? ›It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit.
What is the most accurate FICO score model? ›
The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 8 and VantageScore 3.0. It is important to check a reputable, accurate credit score because there are more than 1,000 different types of credit scores floating around.
Does Synchrony Bank do a hard pull for credit limit increase? ›Just make sure to request an increase when you have the greatest chance of being approved. Asking for a credit limit increase usually leads to a hard credit inquiry, which can cause a temporary dip in your credit score.
Can you get CareCredit with a 580 score? ›The credit score you need for the CareCredit Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.
What's the minimum credit score for CareCredit? ›For the best approval odds with CareCredit, you'll need a credit score of 620 or higher. However, some users report approval with scores around 600. If you're score is lower than 600 you'll have a hard time getting approval.
Is it hard to get approved for care credit? ›You typically need good or excellent credit to qualify and you may pay a transfer fee. However, again, if you have a balance left after the 0% APR promo ends, you'll owe interest only on that balance, not on the total original transferred amount. Flexible financing options from an existing credit card.
What store card can I get with a 580 credit score? ›- Target Credit Card: For people with fair credit. ...
- Walmart® Store Card: For people with fair credit. ...
- Kohl's Credit Card: For people with fair credit. ...
- JCPenney Credit Card: For people with fair credit. ...
- Fingerhut Credit Account: For people with bad credit.
1. HDFC Bank instant approval credit card. HDFC Bank credit cards are not only 100% secure, but they also provide instant activation and ownership. here, a potential customer is taken to the end-to-end instant digital application page wherein the issuance happens at a single click.
What credit score do you need for Sam's Club card? ›The credit score needed for the Sam's Club® Credit Card is at least 700. That's in the “good” credit range but barely meeting a card's minimum requirements is far from the ticket to high approval odds. You'll need income to make your payments, and the issuer will look at several other factors, too.
What banks pull Equifax only? ›- Chase Sapphire Reserve: $450 annual fee (excellent credit) ...
- Citi Double Cash: $0 annual fee (good credit) ...
- Discover it: $0 annual fee (good credit) ...
- HSBC Premier World Mastercard: $95 annual fee, waived the first year (excellent credit)
PenFed Credit Union is the only loan company that uses only your Equifax credit data. In most cases, you won't be able to determine beforehand which credit bureaus your lender will use.
Who does Amex pull from? ›
American Express appears to primarily pull credit reports from Experian, but this doesn't mean it doesn't occasionally pull from one or both of the other major consumer credit bureaus as well.
Why would Synchrony Bank lower my credit limit? ›It's likely that Synchrony Bank lowered your credit limit because your recent credit history showed that you were a higher-risk customer than you had been in the past.
How do you build credit with Synchrony Bank? ›- Start by Looking at Your Credit Score. ...
- Study Your Credit Report. ...
- Pay Bills on Time, Every Time. ...
- Keep Your Debt Low. ...
- Pay “Maxed Out” Cards First. ...
- Make Multiple Payments. ...
- Apply for Credit—But Not Too Often. ...
- Keep Your Credit Cards After You Pay Them Off.
Synchrony Bank will report your account activity to the major credit bureaus. Building a history of on-time payments can help build your credit. As a cardholder, you have several tools at hand to help you learn to build your credit through responsible usage.
Is Synchrony Mastercard hard to get? ›Yes, it is hard to get the Synchrony Premier World Mastercard® because it requires excellent credit for approval. Unless your credit score is 750 and you have a lot of income, it will be difficult for you to get approved for the Synchrony Premier Card.
What is the starting limit for Synchrony Premier World Mastercard? ›There is no disclosed starting credit limit for the Synchrony Premier card. The issuer does not include any specific credit limit information in the card's terms. For the most part, credit limits depend on each applicant's overall creditworthiness.
What credit score is needed for a premium credit card? ›If you have an exceptional FICO or VantageScore (760+) you are likely able to apply for just about any credit card, including premium travel rewards cards with lots of perks and lower interest rates. You can also earn cash back and additional points that you can use toward miles for flights.
What credit score do you need for a Walmart card? ›You need a credit score of 640 or higher to qualify for a Capital One Walmart Rewards® Mastercard®. This implies that those with average to exceptional credit are more likely to get approved for the Walmart Credit Card.
Can I get an Amazon credit card with a 600 credit score? ›Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.
What credit score do you need for PayPal credit? ›Alternative Credit Card Option
The PayPal Cashback Credit Card requires at least good credit (a credit score of 700+) to get approved.
How forgiving is Synchrony Bank? ›
The majority of Synchrony Bank's credit cards are designed for people with fair or good credit scores, so it's not the most “bankruptcy-friendly”. In other words, it's highly unlikely to get approved for a Synchrony Bank credit card unless your bankruptcy is discharged and your credit score bounced back in the 700s.
Which of the 3 credit scores is most important? ›FICO® Scores☉ are used by 90% of top lenders, but even so, there's no single credit score or scoring system that's most important. In a very real way, the score that matters most is the one used by the lender willing to offer you the best lending terms.
Which FICO score do most lenders use? ›For other types of credit, such as personal loans, student loans and retail credit, you'll likely want to know your FICO® Score 8, which is the score most widely used by lenders.
What FICO score is the highest score that is considered poor? ›A score of 720 or higher is generally considered excellent credit. A score between 690 and 719 is considered good credit. Scores between 630 and 689 are fair credit. And scores of 629 or below are poor credit.
Whats a good credit limit? ›A good credit limit is above $30,000, as that is the average credit card limit, according to Experian. To get a credit limit this high, you typically need an excellent credit score, a high income and little to no existing debt. What qualifies as a good credit limit differs from person to person, though.
How often does Capital One increase credit limit without asking? ›When will I be eligible for a credit limit increase without asking? You may be eligible for a credit limit increase without asking after 6-12 consecutive months of on-time bill payments with a new credit card account.
How can I raise my credit limit without asking? ›The second way you may get a credit limit increase is if a credit card company increases your limit without a request from you. This typically occurs after you've demonstrated responsible credit habits such as making on-time payments and paying more than the minimum payment required.
Can I get a Walmart credit card with a 600 credit score? ›The Walmart Credit Card credit score requirement is 640 or higher. That means people with fair credit or better have a shot at getting approved for this card. The Walmart® Store Card also requires at least fair credit for approval.
Can I get approved for a credit card with a score of 500? ›Yes, you can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit.
How can I get my credit score from 580 to 640? ›- Build Your Credit File. ...
- Don't Miss Payments. ...
- Catch Up On Past-Due Accounts. ...
- Pay Down Revolving Account Balances. ...
- Limit How Often You Apply for New Accounts.
Why did I not qualify for CareCredit? ›
In most cases, it's one of the following: Your credit score is too low. You don't have enough income. You have too much debt relative to your income.
What credit bureau does synchrony bank use? ›When you apply for a card from Synchrony, the lender is most likely to check your credit report from TransUnion. In fact, Synchrony uses TransUnion nearly exclusively.
What credit score is good for buying a house? ›It's recommended you have a credit score of 620 or higher when you apply for a conventional loan. If your score is below 620, lenders either won't be able to approve your loan or may be required to offer you a higher interest rate, which can result in higher monthly payments.
What raises credit score? ›Factors that contribute to a higher credit score include a history of on-time payments, low balances on your credit cards, a mix of different credit card and loan accounts, older credit accounts, and minimal inquiries for new credit.
How long is hiring process for Synchrony Bank? ›The hiring process at Synchrony takes an average of 23.15 days when considering 310 user submitted interviews across all job titles.
What does your credit score have to be to get a Sam's Club credit card? ›The credit score needed for the Sam's Club® Credit Card is at least 700. That's in the “good” credit range but barely meeting a card's minimum requirements is far from the ticket to high approval odds. You'll need income to make your payments, and the issuer will look at several other factors, too.
Does Synchrony Bank have a good reputation? ›Synchrony Bank is a solid online bank with competitive interest rates on savings, money market, and CD accounts. It is a good option for consumers who are happy with their current checking account but want to earn a higher rate of interest on their savings.
How do I check the status of my Synchrony application? ›How do I check the status of my online application? Sign into the Synchrony Join Us page with your email and password. You can check the status of your applications under “My Applications” for any open position.
How many rounds of interview are there in Synchrony? ›Synchrony Interview Rounds and Process
There were 3 rounds in my interview. The first round was Resume Shortlist, followed by HR round. The final round was Technical. I applied via Referral and was interviewed before Oct 2021.
Synchrony Interview Rounds and Process
There were 2 rounds in my interview. The process started with Resume Shortlist round and ended with Technical as the second and final round. I applied via Naukri.com and was interviewed in Oct 2022.
What is the maximum credit limit on a Walmart credit card? ›
Credit limits for a Walmart credit card can range from $150 to over $5,000. Several factors go into determining your credit limit, including your annual income and credit history. Where can I use a Walmart credit card? The Capital One® Walmart Rewards™ Mastercard® can be used anywhere Mastercard is accepted.
What credit score do you need to get a Lowes credit card? ›The credit score that you need for the Lowe's Store Card is 640, at a minimum. That means people with at least fair credit have a shot at getting approved for this card.
What is the highest limit on Sam's Club credit card? ›The credit limit for the Sam's Club Credit Card typically ranges from $1,000 to $10,000, although reports indicate it's possible to get higher limits. Your credit limit on your Sam's Club Credit Card is determined by multiple factors, including your annual income and credit history.
Is Capital One buying out Synchrony Bank? ›Capital One Financial Corp. said it will buy Synchrony Financial's $9 billion portfolio of loans left over from a partnership with Walmart Inc., following months of acrimonious negotiations.
Is Synchrony Bank owned by Chase? ›On February 13, 2023 - Jpmorgan Chase & Co filed a 13F-HR form disclosing ownership of 961,365 shares of Synchrony Financial (US:SYF) valued at $31,590,454 USD as of December 31, 2022. The entity filed a previous 13F-HR on November 14, 2022 disclosing 1,266,887 shares of Synchrony Financial.
Does Synchrony credit increase hard pull? ›Just make sure to request an increase when you have the greatest chance of being approved. Asking for a credit limit increase usually leads to a hard credit inquiry, which can cause a temporary dip in your credit score.
Does Amazon still use Synchrony Bank? ›The Amazon Secured Card and Amazon Prime Secured Card, issued by Synchrony Bank, are unique credit cards each with two sets of features – the Secured Card features and the Store Card features. The two credit features have some different rates, fees and rewards.