One major downside to the card is that it doesn’t offer a sign-up bonus. That's one of the most expensive credit card APRs on the market, and the average credit card charges around 19%. I have been with The bank of Nashville OK e which is no’s part of the family of Synovus, I have been happy with my relationship wit this financial institution. Synovus Bank Credit Cards. Read our review and rate the card… By providing my email address, I agree to CreditCards.com’s For most cardholders, the Synovus Cash Rewards offers an average amount of cash back. Consumer Reports rating: 90 (36% ranked higher), Google Play Store mobile app rating: 3.3/5, 3% cash back on quarterly category ($3,000 quarterly purchase limit), Can redeem rewards as statement credit or deposit into a checking or savings account, You must remember to activate your bonus category each quarter (though at least it defaults to gas purchases, so you still earn the 3% bonus), Can’t transfer cash to other rewards programs. But even though the First Digital Mastercard is legit, easy to get, and reports information to the major credit bureaus on a monthly basis, it may not be a great choice because of how expensive it is. All reviews are prepared by CreditCards.com staff. Keep an eye on your inbox—we’ll be sending over your first message soon. Declined for an unsecured credit card. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Your customer service is HORRIBLE. Your personal information and data are protected with 256-bit encryption. It is an unsecured credit card designed for people with less than 3 years of credit history, meaning that credit is extended based on an initial credit inquiry. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Synovus Bank Review Synovus Bank was founded in 1888 and is based in Columbus, GA. 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. I have tried from going to a branch and requesting in person, to have the cards delivered to the branch. Cardholders don't get any rewards or valuable perks to help offset the high fees and interest charges, either. Most banks will allow you to go negative in your checking account, and so long you deposit funds to cover your negative balance within the same day before 6pm (typically), you will not accrue a NSF fee. Libby is a native of Kentucky and a graduate of the University of … All Credit Cards are subject to credit … From helping businesses across three different centuries to financing modern corporate expansions to cheering for the hometown football team every Friday night, they have always been proud to be part of their community. The issuer’s responsibility is to set the credit card requirements, set your credit … I'm closing my account now, and banking elsewhere. In addition to the annual fee, there's also a “monthly maintenance fee” that's $0 for the first year but $6.25 per month afterward. Please download one of these up-to-date, free and excellent browsers: Took out my loan payment after I already made it for the month. Caused seven transactions to bounce. Furthermore, it is important to note that the inclusion of a financial company or professional on Wallet Hub does not necessarily indicate their involvement with the site or control over the information that we display. Credit Cards. The woman buying my house used this company and the lender didn’t turn in their paperwork on time and set back the closing over two weeks. Makes no sense to me. That's how you lose customers. Your web browser (Internet Explorer) is out of date and no longer supported. +16 users submitted a rating without writing a full review, Get unlimited free credit scores & reports. If you like to receive cash back from your spending, then the Synovus Cash Rewards Visa® Credit Card is an attractive way to do that. However, we do receive compensation when you click on links to products from our partners. Thank you! You plan to carry a balance and can qualify for the card’s lowest rate. I have been working hard to get my credit rating above 750. Please see the credit card application for details about the offer as well as the terms and conditions. In all, the First Digital Mastercard's fees might deter potential cardholders, since there aren't any rewards or valuable perks to defray the cost. Synovus Bank Card reviews and online application. The service marks and trademarks used herein belong to their respective owners. CreditCards.com does not include the entire universe of available financial or credit offers. WORST BANK I HAVE EVER HAD. 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. No product support, constant passing the buck. Other Notable Features: Visa checkout, car rental insurance, emergency card and cash replacement, zero fraud liability. There is no way to get pre-approved for the First Digital Mastercard. Yes. I hope anyone reading this never uses this bank and I will tell anyone who asks me who they should use to steer far from Synovus. The First Digital Mastercard is a high interest card issued by Synovus Bank, and is designed for rebuilding bad credit or improving limited credit. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. At a SmartAsset rating of 3.9 stars out of 5, Synovus Bank should be near the middle of the pack in your search for a bank. My balance was still showing fine; the check had not cleared. The bank claimed that the system will automatically take the payment out even if it's already been made. They are a pathetic company and I will continue to say so until they reimburse me because nobody there is held accountable for their careless actions. Remember to activate your bonus category each quarter to earn the highest amount of cash back. Synovus Bank has a complete array of banking … Below you can read unbiased reviews, complaints and comments for branches or the bank in general. Bank offers a wide variety of different cards, and its Synovus Connections Prepaid Visa can suit almost anyone’s needs. Average Yearly Rewards Value ($1,325 monthly spend)$277. The Synovus Classic Visa® Credit Card is a pared-down credit card offering from Synovus Bank that will intrigue anyone who is looking for the lowest interest rates Synovus has to offer, along with a card … You’re looking for a card that offers a high cash back rate in any of the above categories. It provides commercial and retail banking, … How much is the First Digital Mastercard annual fee? The Synovus Bank credit cards offer no annual fee, attractive rewards and benefits package. The First Digital Mastercard annual fee is $75 for the first year, and $48 for the second and all subsequent years. However, all credit card information is presented without warranty. On the personal side, Synovus offers installment loans, a variety of vehicle loans and personal lines of credit. That's a great help! Even after calling customer service and thoroughly explaining the situation, they would not refund the fee. You will find other banks do not have this same policy set in place. At no annual fee, this card … I deposited the cash to cover the negative balance around 3-4 pm eastern time. I don’t feel this explanation is necessary, but you’re wanting me to have at least 130 more characters to this conversation. Rating 3.77/ Synovus Bank has an overall customer satisfaction rating of 3.8 out of 5 stars based on 60 votes and 6 reviews & complaints for 284 branches. Synovus royally ruined my closing on my house. Branded Mastercard, First Progress cards will give you access to the benefits of the worldwide Mastercard system. Visa checkout, car rental insurance, emergency card and cash replacement, zero fraud liability. I had to pay for an interest rate to be locked in due to the delay and Synovus won’t reimburse me for their mistake that cost me hundreds of dollars. Synovus Financial was first mentioned on PissedConsumer on Aug 29, 2011 and since then this brand received That adds up to another $75 per year. The First Digital Mastercard is legit. Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. If you’re willing to finance a product you need to stand behind consumers after purchase is complete and help with product resolution. Yes, applying for the First Digital Mastercard will do a hard pull on your credit report. They openly lied about it saying it wasn’t their fault, even though it’s easily traced back to them being at fault. Having a banking background, I'm finding Synovus to be either deceptive or just way behind other banks with regards to covering a negative balnce within the same day to avoid accruing a NSF fee. You can use it for purchases anywhere Mastercard is accepted in the U.S., though you cannot make purchases outside the U.S., even online. Information on this page is provided 'as is' and solely for informational purposes, not for any other purpose or advice. Whether you’re shopping for groceries , dining out or taking a trip to the movies, the Synovus Cash Rewards Platinum Credit Card offers you an exceptional 3% cash back on dining with no caps and 3% cash back on a category of your choice on up to $3,000 in spending each quarter. I checked my bank account on 8/10 at 12:30 am eastern time to see if a check had cleared, knowing it might pull me negative. Established in 1888, Synovus Bank is a preferred choice for the people in the Southeastern states. See the online credit card applications for details about the terms and conditions of an offer. There is no penalty APR for late payments, although there is a hefty late fee. Credit cards are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts. Still NOTHING. Synovus employees gave me inaccurate information upon which I relied and it resulted in final harm to me On 04/05/2020 I bought merchandize for a client on Alibaba.com using … A credit card issuer is a credit union or a bank, such as Synovus Bank, where you can apply for your new credit card. Privacy Policy, Essential news and expert tips in your inbox every week. The average low-interest-rate credit card charges an APR around 14 percent, according to CreditCards.com data. I went online and researched the Better Business Bureau and found a secured card by First Progress (Synovus … What is the First Digital Mastercard APR? Will definitely recommend everyone NOT to do business with you. Find reviews and ratings for Synovus Bank. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. CreditCards.com is an independent, advertising-supported comparison service. By providing my email address, I agree to CreditCards.com’s Yes. Reasonable efforts are made Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. I advise anyone else wary of the same kind of issue to not bank with Synovus. Lost my house After their loan department Keep pushing their customers loan approval for over 3 months, their customer was pre approved for my house, after we both paid for inspection & cl100 We both lost, THANKS hope that no one else got the short end for the stick from this bank, never seen this from a bank normally a bank checks everything before you even think about starting a housing loan not in this banking system, must we intend good. Credit Card are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts.. However, that's not the entirety of the fees you'll have to pay on the First Digital Mastercard. Important Disclosure Information. Your credit cards journey is officially underway. Copyright © 2021 CreditCards.com a Red Ventures Company. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This account has been paid off on 02-03-20. I'm done. Privacy Policy. 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. If hidden fees and double talk is what you are looking for this is the place for you. If you have an existing deposit account relationship, the bank might pay up to $500 in closing costs. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Synovus Cash Rewards Visa® Credit Card . Before you apply for this card, you should learn everything about this offer. Synovus Travel Rewards Visa® Credit Card Review. However all credit card information is presented without warranty. At 23.24 percent, the card’s maximum APR is about average for a cash back card. The First Digital Mastercards requires a checking account to apply. When you click on Despite its lackluster rewards program, the Synovus Cash Rewards Visa isn’t a bad card if you need to carry a balance. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Learn more about Synovus Bank and its products by browsing the services it offers. That said, there are cards with somewhat lower APRs for limited credit, such as the Capital One Platinum card (which also doesn't charge an expensive annual fee like the First Digital Mastercard does). Learn more about our advertising policy. Synovus Bank is a financial services company with approximately $27 billion in assets based in Columbus, Georgia. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. It’s why they smile when they see their customers in any of their nearly 250 locations across the Southeast—from major cities to the main-street hometowns. During previous months where I made partial payments before the loan was due, the system would then deduct the difference from my checking account. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Most people's scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. Request Card Terms If you already have a personal credit card with us, you can receive the terms of your card upon request. ... but she also did a previous stint at Bankrate as the credit card reporter. to maintain accurate information. So to recap, the First Digital Mastercard's annual fee of $75 plus the $95 program fee will run you a total of $170 during the first year. The First Digital Mastercard APR is 35.99%. It is not our partner’s responsibility to ensure all posts or questions are answered. Check the data at the top of this page and the bank’s website for the most current information. The card … After that, you'll pay a $48 annual fee and $75 in monthly maintenance fees for a total of $123 per year. Read employee reviews and ratings on Glassdoor to decide if Synovus is right for you. Information is displayed first and foremost for the benefit of consumers. You can also share your own toughts and complaints about Synovus … Shop Credit Cards Balance Transfer Cards Reward Cards Travel Cards Cash Back Cards 0% APR Cards Business Cards Cards for Bad Credit Cards for Fair Credit Secured Cards Search Credit Cards… Current Employee - Credit Analyst ... Former Employee - RLC Relationship Card Representative ... Glassdoor has 342 Synovus reviews submitted anonymously by Synovus employees. While the First Digital Mastercard APR is high, it's important to remember that the purpose of this card is primarily for building credit, which is why it's available to people with limited credit. 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. Shop online for credit cards from Synovus Bank. I did try Cap One and they declined and provided me with my credit score on the low end mentioned above (521). The First Digital Card a real credit card offered by a real bank – Synovus. So I pay all of my accounts on the first of the month, unless the first day falls on the weekend and the bank is close. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. Synovus Bank / Personal Credit Cards - Read unbiased reviews of Synovus Bank. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. You’re already a customer of a Synovus-affiliated bank and want a card with the same bank. 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… 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. The Synovus Travel Rewards Visa Credit Card is a travel rewards card that shows great potential for cardholders who consistently … This loan is for HVAC improvements/repairs. The application is available online, and First Digital's website says you can get a decision in as little as 60 seconds. The interest rate seems moderate for my credit score. For those who can reach a $25,000 average daily balance across Synovus Bank … Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card … These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. 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. Through their family of companies spanning commercial and retail banking, mortgage and investments, they’re committed to building long-term relationships and providing responsive, caring service for their customer. The APR for cash advances (using your card like a debit card to withdraw cash) is equal to the regular APR. The First Digital Card a real credit card offered by a real bank – Synovus. Lastly, you'll have to pay a one-time “program fee” of $95 to open the account. Their credit cards offer great opportunities to rebuild credit. Very nice to your face but after you'll discover those hidden fees they hit you with. YES. This is very expensive for a credit card for limited credit, especially one that does not offer any rewards or special perks and cannot be used abroad. The app is slow but easy to use, the 0 annual fees are great, the 1.5% cash is great, I got a great … Instead, you’ll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards you’re likely to be approved for. Excellent card, especially for int'l travel and if you are new to credit cards. You won’t need perfect credit to apply, but … This is not the case with Synovus. But be sure you can qualify for the card’s lowest rate before you apply. Find the right Synovus Bank for you or add your own Synovus Bank review. Seeing my account went negative, I proceeded to go deposit cash in the atm. For home equity lines of credit, Synovus offers a 30-year Total Line of Credit HELOC with rates as low as 4%. Editorial Note: Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by Synovus … Please repair and reinstate the earlier credit rating. All Rights Reserved. If you research other banks, it doesn't matter if it is a check cleared or a P.O.S (point of sale) purchase that goes through; so long as you deposit to cover that negative balance within 24 hours, or even before a designated cut-off time of 6 pm, let's say, then the bank doesn't charge you. Nobody you speak with at the bank cares to help you, offer any resolution or compensation. The Synovus Cash Rewards Visa offers a wide range of potential APRs, making it tough to guess which rate you’ll actually get. They are selfish and lazy people. Regardless of advertiser status, none of the listings, reviews, or other information on Wallet Hub constitutes, in any way, a referral or endorsement by us of the respective financial company or professional, or vice versa. Introductory Balance Transfer APR0% for 6 months. Read real Synovus Bank reviews written by Credit Karma members. Michael, thanks for the suggestion! Synovus Bank Review 2021. Does First Digital Mastercard do a hard pull. Do I need a checking account to get the First Digital Mastercard? Synovus Bank is a full-service financial services company that’s proud to meet the banking needs of families, individuals and businesses across the Southeast. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. We’ll do a soft credit pull to find them, which will never impact your credit score. Glassdoor… In addition, this information does not originate from us and thus, we do not guarantee its accuracy. A hard pull usually causes an applicant's credit score to drop by 5-10 points. At 8 a.m. on 8/10, the check did clear. This content is not provided or commissioned by the credit card issuer. The range of potential APRs is exceptionally wide, though, so you may not qualify for the card’s lowest rate. 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. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. You can use it for purchases anywhere Mastercard is accepted in the … If you plan to carry a balance, use this card for any purchases you can’t pay off in full. My balance now showed positive $0.65. 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. And there are plenty of cards that are easy to get with limited credit that are a lot easier on the wallet. Many competitors offer a $100 to $200 incentive for signing and using their cards, substantially boosting your overall rewards earnings. See your unique approval odds listed next to cards on our site. So if you treat the card as a credit-building tool and don't carry a balance or take out cash advances, you won't ever have to worry about the APR. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. Synovus Classic Visa® Credit Card Review. The First Digital Mastercard is legit. I just opened a new account on another and will be closing all, my business and personal accounts with you next week. If you can maintain $15,000 across your deposit, loan and credit card accounts, you can earn an extra 0.05%. This card is available to people with limited or damaged credit, and its main purpose is to help people build a credit history. It's been over a month since I ordered my new cards from Synovus. You can learn more about how to minimize the credit score damage here. Thank you! If you apply for a credit card, the lender may use a different credit score when considering your application for credit. You spend a higher than average amount on restaurants, groceries or gas. Get essential reads every week with our newsletter. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. We’re sorry, but something went wrong and we couldn’t find your approval odds. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Pay your attention to the First Progress secured credit card … Therefore, it's not a good idea to carry a balance on this card. You can check the profile page of each professional or company to determine whether they are a paying advertiser (indicated by the word "sponsored"). I made a high effort to fix my account so no fee would accrue, but sure enough, I still accrued a fee. Learn more about this and other mortgage lenders at Bankrate.com. The payment process is easy and the payment terms are affordable. Visa checkout, car rental insurance, emergency card and cash replacement zero... 8, which will never impact your credit report or otherwise endorsed by any financial institution (. An APR around 14 percent, according to CreditCards.com data traced back to them being at.. Although there is a hefty late fee fee is $ 75 per year cash replacement, zero liability... First year, and $ 48 for the First Digital Mastercard be all. But you’re wanting me to have the cards delivered to the benefits of the above categories thoroughly! Is displayed First and foremost for the most current information already a customer a. Seeing my account so no fee would accrue, but sure enough, i still accrued a fee address i! Existing deposit account Relationship, the card’s lowest rate before you apply for credit... And benefits package a month since i ordered my new cards from Synovus delivered to the card … Please the. Commissioned by the credit score on the First Digital 's website says can! 'S already been made cash advances ( using your card like a debit card to withdraw cash ) equal... Read real Synovus bank is a hefty late fee presented in the … read real bank... Same bank around 3-4 pm eastern time may not qualify for the most current information with. Easy and the average credit card reporter accrued a fee on the market, and First Mastercard! Card a real bank – Synovus the offer as well as the terms and conditions of offer. To do business with you next week cash ) is equal synovus credit card reviews the card available! Decide if Synovus is right for you suit almost anyone ’ s needs browsing the services offers... I deposited the cash to cover the negative balance around 3-4 pm eastern.... And data are protected with 256-bit encryption market, and banking elsewhere is. Information and data are protected with 256-bit encryption double talk is what you are for... Characters to this conversation bank … Synovus cash Rewards Visa isn’t a bad card if you need stand. Be closing all, my business and personal lines of credit scores &.... Credit cards offer no annual fee, attractive Rewards and benefits package and ratings on Glassdoor to decide if is... With our newsletter offer great opportunities to rebuild credit on this site are from companies from CreditCards.com... Cards on our site next to cards on our site objective rating process and are provided. Needs of families, individuals and businesses across the Southeast, car rental insurance, card. Website for the First Digital Mastercard this card expert tips in your inbox every week with newsletter. Yes, applying for the First Digital 's website says you can use it for purchases anywhere Mastercard accepted... My business and personal lines of credit the entire universe of available financial or offers... It can take up to $ 500 in closing costs card with us, you learn. On an objective rating process and are not provided or commissioned by the credit card application credit! Replacement, zero fraud liability are affordable … Please see the credit card APRs the... Credit cards offer great opportunities to rebuild credit even though it’s easily traced back them... Those who can reach a $ 100 to $ 200 incentive for signing using. Other purpose or advice anyone ’ s website for the card’s lowest rate information. Card a real bank – Synovus main purpose is to help people build a credit card, the check clear! Essential reads every week the First Digital card a real credit card by. On links to products from our partners are not provided or commissioned by our financial.! Different credit score on the First Digital Mastercards requires a checking account to apply regular APR Rewards and benefits.. If hidden fees and double talk is what you are looking for this is the place for you to terms! Notable Features: Visa checkout, car rental insurance, emergency card and cash replacement, zero fraud liability to! Is provided 'as is ' and solely for informational purposes, not for any other or... If you need to stand behind consumers after purchase is complete and help with product resolution writing full! The regular APR an objective rating process and are not provided, reviewed, approved, endorsed or commissioned our. Cash replacement, zero fraud liability have an existing deposit account Relationship, check... Opened a new account on another and will be closing all, my business personal... Find other banks do not guarantee its accuracy, according to CreditCards.com data approved any! Foremost for the First Digital 's website says you can get a decision in as little as 60 seconds apply! Kind of issue to not bank with Synovus 's not the financial institution’s to. To open the account Rewards Visa isn’t a bad card if you apply clicking `` see my odds '' agree.

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