We believe a great workplace fuels innovation and drives progress for the people, businesses and communities that rely on us every day. We extend financing to more than 70 million Americans at businesses across the country, helping people access things that matter. And when they do, commerce grows and economies thrive.
Healthier financial lives. Stronger businesses. A thriving economy. It all starts with our people.
The Synchrony team helps businesses and the people they serve with financing that makes life more affordable. Each year, we extend credit to tens of millions of Americans, including many creditworthy people underserved by traditional financial systems. For us, it’s more than a purchase, it’s the moments that matter: new tires to keep the car safe, care for a pet, a healthier smile at the dentist or furniture that turns a house into a home.
Building Healthier Financial Lives
Credit is a catalyst for opportunity. Meet the Americans using Synchrony to tackle major life transitions, handle unexpected emergencies, and achieve goals once out of reach. From seizing new opportunities to achieving their dreams, these experiences reflect how credit access empowers people to pursue the milestones that strengthen their futures.
Synchrony CEO Brian Doubles argues that the strongest institutions aren’t built on technology alone, they’re built on trust. At Synchrony, trust is the foundation of our business, powered by people and strengthened by transformational innovations like AI that help turn bold ideas into real impact.
For many Americans, a Synchrony credit card is the first step toward financial opportunity. Store cards provide accessible entry points to the credit system for people often overlooked by traditional lenders, helping them build credit history and demonstrate responsible use. By establishing this credit foundation, people gain access to major milestones like homeownership, starting a business, and better rates on loans and insurance.
Hundreds of thousands of small businesses rely on us to offer their consumers access to affordable financing. Synchrony CEO Brian Doubles recently shared insights with Politico on how Synchrony’s financial solutions allow these businesses to drive higher sales, build customer loyalty and sustain business growth.
Greater access to credit can strengthen the economy
Nearly one in four adults in the U.S. rely on Synchrony financing to pay for things that matter to them and their families. With more than 100 million consumer credit accounts and $182 billion in purchase volume, we help drive sales for iconic brands and more than 400,000 small and medium businesses across all 50 states, supporting jobs and strengthening local economies. Synchrony plays a critical part in how Americans buy, save and afford the things that matter most to them.
"CareCredit provides the financial means to take care of those most precious to me, my dear cats Calypso and Persephone,” said Kristy S. See what others say.
“CareCredit and their offers to save on interest charges have saved my oral health,” said Jeannette B. from Anchor Point. Explore more customer experiences.
"I wouldn't have been able to begin to take care of myself medically or alleviate my pain without CareCredit," said Noemi O. from Homer, AL. Read more from our customers.
"Thanks to CareCredit, I've been able to purchase state of the art hearing aids which allow me to better communicate with my patients,” said Ashley C. See what others say.
"I was able to get new prescription eye glasses because of CareCredit!” said Stevie M. of Vilonia, AR. “I wouldn't have been able to afford it otherwise!" See what others say.
"The low monthly payments work perfectly within our monthly budget!” said Corrine H. of San Tan Valley. “Thanks CareCredit!" Read more from our customers.
“After a lifetime of crooked teeth, CareCredit is making it possible for me pay for Invisalign and be more confident in my smile!" said Amanda W. See what others say.
Fortune magazine and Great Place to Work recognize Synchrony for creating a workplace where trust, flexibility and innovation thrive for Tri-State employees.
"CareCredit has allowed me to pay for unexpected dental issues so that I can keep the beautiful smile I have been blessed with!" said Mary-Rose S. See what others say.
Through strategic alliance, Synchrony and D.C.-based HABRI aim to influence public policy for better access to veterinary care, enriching human and pet wellbeing.
"I recently had to get a crown and I was able to cover the expenses my insurance didn't using CareCredit," said D.C.-based Jenese J. Read more from our customers.
Pet Paradise, headquartered in Jacksonville, partners with Synchrony to offer flexible payment options across 60 resort locations, easing pet care affordability.
The Synchrony and Dawsonville-headquartered Installation Made Easy partnership offers seamless financing to facilitate affordable, professional home renovations.
“CareCredit has allowed my family to pay for expensive dental work that we otherwise would not have been able to afford," said Jandi B. of Dallas, GA. See what others say.
Atlanta-based Floor & Décor extends Synchrony partnership to introduce new credit options, making home upgrades more accessible to homeowners and contractors.
"Even with insurance, our portion was much more than we wanted to pay out of pocket or pull from our savings," said Nathan O. from Haiku. Read more from our customers.
"CareCredit helped me pay for necessary wisdom teeth surgery in college, when I had no spare money to be able to afford it,” said Katelyn G. See what other customers say.
CareCredit's renewal with Mortenson Dental Partners boosts access to flexible financing for dental care in Indiana, supporting healthcare affordability.
"I couldn't afford my dental work, but with CareCredit I was able to get all of it completed!" said Warsaw resident Darrin K. Read more from our customers.
Renee Spresser's ownership leads Paul's Furniture to Synchrony recognition, showcasing the potential of local entrepreneurship. Read more about our winners.
"My husband was able to get braces as an adult since there is no coverage at all for adults to be covered for this," said Diana P. from Ulysses. Read more consumer insights.
Through agreements with major dental clients, CareCredit expands financing options in Louisiana, enabling more patients to afford necessary dental services.
"I would not have been able to get my teeth fixed and my health under control without access to CareCredit,” said Brittany S. from Jeanerette, LA. Hear from more customers.
Synchrony's award spotlights Level Up Fitness for exemplifying resilience and ensuring community well-being during challenging times. Explore our winners.
Dundalk's Katelyn W. said, "After a long time of putting it off, I was able to get dental work that was very needed... Thank you!" Hear from more customers.
"Absolutely I would recommend CareCredit. This account has helped me so much. I just used it for new RX glasses and RX sunglasses," said Robin M. See what others say.
New Learning Center boosts small businesses like Day's Jewelers in Maine with tools and knowledge for growth, offering finance, marketing, and cybersecurity resources.
"CareCredit offered me the opportunity to be able to give myself better health and give my smile back and I truly could not be more grateful," said Christine A. Hear from others.
New financing program will help Grand Rapids-based business, enabling customers to use its private label credit card at all GreatWater locations in the U.S.
"I have helped my Son create a beautiful smile and have self esteem again! Thanks to CareCredit!" said Pamela P. of Moorhead, MN. Read more customer experiences.
Partnership with the University of Missouri Veterinary Hospital brings Synchrony's CareCredit to local pet owners, ensuring more accessible veterinary care.
Dr. Lott's Belle Vue Specialty Eye Care, recognized by Synchrony, pioneers visual therapy for children, marking a milestone in Mississippi's healthcare.
“I have less anxiety knowing if I get into a bind I can turn to my CareCredit account and get the bills paid and elviate [sic] the stress," said Cheryl R. See what others say.
Synchrony CareCredit's renewed agreements boost financing options for dental care in Nebraska, enhancing patient accessibility to quality healthcare services.
"CareCredit made it affordable for us to be able to purchase hearing aids for my son with technology that works with his iPhone," said Theresa N. Read more customer insights.
"CareCredit helped me get the Lasik eye surgery I have been wanting to do for so many years but was never able to afford it," said Melissa V. of Alliance. See what others say.
Synchrony and Manchester-based CCA Global renew partnership, offering streamlined financing options for diverse product purchases across 2,000 member stores.
"What a blessing it is for the gift of hearing again,” said Raymond F. of Goffstown. “Thank you CareCredit & staff for all you do." Explore more customer experiences.
NJ-based AADOM and Synchrony extend their collaboration, allowing patients to easily finance dental treatments with CareCredit, ensuring a smoother payment experience.
"I hid my smile due to misaligned teeth,” said Zoilary P. of Union City. “CareCredit made treatment affordable. As my teeth aligned, confidence grew." See what others say.
"My teeth needed a lot of work would not have been able to do it if not for CareCredit,” said Dawn D. of Albuquerque. Explore more customer experiences.
"I got LASIK when I was 31 and used my CareCredit card to pay for it,” said Maria G. “And it's been one of the best decisions I ever made for myself." See what others say.
Fortune magazine and Great Place to Work recognize Synchrony for creating a workplace where trust, flexibility and innovation thrive for Tri-State employees
"My daughter needed her teeth fixed and we would not have been able to afford without CareCredit,” said Daniel M. of Battle Mountain. Read more from our customers.
Payzer, headquartered in Charlotte, partners with Synchrony to integrate financing into one platform, simplifying sales and promoting contractor growth.
Synchrony’s collaboration with the Mooresville headquartered company ensures more valuable purchasing options for Lowe's customers and commercial clients.
Synchrony partnership with West Fargo-based Doosan Bobcat offers competitive, simplified financing solutions for Bobcat equipment purchases across the U.S.
"There are many places in my area that accept CareCredit and it has been such a blessing so I don't have to wait to receive the care I need!" See what others say.
Synchrony and Ohio’s Associated Materials continue to lead by providing cutting-edge financing solutions, supporting homeowners in upgrading their living spaces efficiently.
"I have been able to smile with my family knowing I was able to afford crowns for my front teeth and I am forever grateful," said Nicole G. of Newark. See what others say.
"CareCredit has helped myself and my family obtain health services that other ways would have been unavailable,” said Oklahoma City’s Jose R. See what others say.
“I’ve used CareCredit to nearly complete my new smile. The 5 or 6 or 12 month terms offered are suitable with our budget," said Bobette L. Read more customer insights.
Synchrony's recognition of Cordray's Continental Auto Repair in Albany underscores the importance of quality services that support city operations. Explore our winners.
"I have used CareCredit many times but I feel that it has helped me the most by making my LASIK eye surgery affordable,” said Victoria P. of Lock Haven. See what others say.
"I'd recommend CareCredit to friends and family because it can be a helpful financial tool for managing healthcare expenses," said Kayla M. Explore more experiences.
Cheryl B. said it offered "Help with having my daughter [sic] wisdom teeth removed. Wouldn't have been able to do it without CareCredit." Read more from CareCredit customers.
"I don't have a lot of money on hand at all times and this card allows me to take him to his vet appointments without worry," said Brieana M. of Pawtucket. See what others say.
Synchrony and Continental Tire, based in Fort Mills, expand partnership, offering specialized financing and broad network access to consumers and dealers.
"I had to have corneal transplants in both eyes and if it hadn't been for CareCredit I wouldn't have been able to afford it,” said Kimberlie W. Explore more experiences.
"My teeth were so bad no matter what I did I couldn't get them straight or white but with CareCredit I have beautiful white smile now," said Ashly R. See what others say.
"I had a filling that was missing in front for years. I now can smile without hiding my teeth!" said Zella M. of Birchwood. Read more from CareCredit customers.
Synchrony and Knoxville-based JTV extend partnership, celebrating five years of strategic growth and personalized, budget-friendly shopping experiences.
Synchrony's award recognizes Boerne Air Conditioning & Heating for exceptional community service and integrity, enhancing lives with financing options for HVAC needs.
“I used it to get some eye surgery and that allowed me to do it stress free especially when making payments,” said Paige W. of Tooele. Read more from consumers.
Dr. Karl A. Smith, DDS, emphasizes the importance of options, like Synchrony's CareCredit, in ensuring patients receive necessary care without financial strain.
“CareCredit allowed me to get my son the dental work he needed so he could focus on being a healthy kid," said Kayla B. of Roanoke. Read more from CareCredit customers.
"I would definitely recommend CareCredit! It enabled me to pay for my braces as an adult,” said Deborah B. of Burlington. Read more CareCredit insights.
"I have used CareCredit multiple times to pay for both eye surgery years ago and dental work last year,” said Ashley T. of Mount Holly. See what other consumers say.
Synchrony's recognition of Link Audiology, based in Silverdale, underscores the critical role of small businesses in addressing healthcare accessibility in underserved regions.
"CareCredit helped me during a rough time of dealing with my teeth … not having any insurance at the time," said Ashley F. of Kenosha. Read more CareCredit insights.
Synchrony and Appleton-based Mills Fleet Farm expand their long-standing relationship, introducing a Visa® Dual Card to enhance consumer financing options.
Rita B. of Wharncliffe said, "I have been able to help my eldest daughter when she needed surgery do to an infection around her teeth.” See what other consumers say.
"CareCredit has allowed my family glasses that they love and feel confident in. Thanks CC," said Megan E. of Gillette. Learn more from CareCredit customers.
Tessa Baker of Cody, WY said, "CareCredit made it possible for me to afford my corgi’s ACL repair.” Read more customer highlights.
A great company to welcome into your community
We are expanding opportunity in the communities we serve by investing in solutions that help more people participate in the economy beyond the point of sale. Through financial education and workforce skills training, we equip employees and community members with practical tools that strengthen household resilience and support long term opportunity.
Expanding technology talent for tomorrow’s economy
By growing the Synchrony Emerging Technology Center at University of Illinois Urbana-Champaign, we’re equipping students with real-world tech skills and hands-on experience. This partnership empowers the next generation of innovators to drive business growth and advance technology careers.
Personal finance skills are critical to building financial well-being. By helping educators to advance personal finance education in America’s public schools, we are empowering financial independence for generations to come.
Synchrony’s new Fair Financing Principles promote transparency, empowering consumers with clear, understandable financing information to improve access to timely health and wellness care.
The materials and information located on this page, or any of the links or resources contained within (collectively, the “Materials”) are intended for informational purposes only and may not reflect the most up-to-date information. Unless otherwise indicated, numeric metrics are presented as of December 31, 2023. Additionally, certain numeric metrics presented in the Materials, such as merchant locations, are calculated using proprietary methodologies that may differ from the methodologies used to calculate similar metrics used in other disclosures by the Company.
Further, the Materials may contain "forward looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities and Exchange Act of 1934, as amended. Forward looking statements are based on expectations, estimates and projections at the time the statements are made that involve a number of risks and uncertainties which could cause actual results or events to differ materially from those presently anticipated. We caution you against relying on any forward-looking statements, which should also be read in conjunction with the other cautionary statements and risks described in our filings with the Securities and Exchange Commissions from time to time, including our most recent Annual Report on Form 10-K and subsequent Forms 10-Q, which are available at https://investors.synchrony.com. We undertake no obligation to update or revise any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events, except as otherwise may be required by law.
"CareCredit provides the financial means to take care of those most precious to me, my dear cats Calypso and Persephone,” said Kristy S. See what others say.
“CareCredit and their offers to save on interest charges have saved my oral health,” said Jeannette B. from Anchor Point. Explore more customer experiences.
"I wouldn't have been able to begin to take care of myself medically or alleviate my pain without CareCredit," said Noemi O. from Homer, AL. Read more from our customers.
"Thanks to CareCredit, I've been able to purchase state of the art hearing aids which allow me to better communicate with my patients,” said Ashley C. See what others say.
"I was able to get new prescription eye glasses because of CareCredit!” said Stevie M. of Vilonia, AR. “I wouldn't have been able to afford it otherwise!" See what others say.
"The low monthly payments work perfectly within our monthly budget!” said Corrine H. of San Tan Valley. “Thanks CareCredit!" Read more from our customers.
“After a lifetime of crooked teeth, CareCredit is making it possible for me pay for Invisalign and be more confident in my smile!" said Amanda W. See what others say.
Fortune magazine and Great Place to Work recognize Synchrony for creating a workplace where trust, flexibility and innovation thrive for Tri-State employees.
"CareCredit has allowed me to pay for unexpected dental issues so that I can keep the beautiful smile I have been blessed with!" said Mary-Rose S. See what others say.
Through strategic alliance, Synchrony and D.C.-based HABRI aim to influence public policy for better access to veterinary care, enriching human and pet wellbeing.
"I recently had to get a crown and I was able to cover the expenses my insurance didn't using CareCredit," said D.C.-based Jenese J. Read more from our customers.
Pet Paradise, headquartered in Jacksonville, partners with Synchrony to offer flexible payment options across 60 resort locations, easing pet care affordability.
The Synchrony and Dawsonville-headquartered Installation Made Easy partnership offers seamless financing to facilitate affordable, professional home renovations.
“CareCredit has allowed my family to pay for expensive dental work that we otherwise would not have been able to afford," said Jandi B. of Dallas, GA. See what others say.
Atlanta-based Floor & Décor extends Synchrony partnership to introduce new credit options, making home upgrades more accessible to homeowners and contractors.
"Even with insurance, our portion was much more than we wanted to pay out of pocket or pull from our savings," said Nathan O. from Haiku. Read more from our customers.
"CareCredit helped me pay for necessary wisdom teeth surgery in college, when I had no spare money to be able to afford it,” said Katelyn G. See what other customers say.
CareCredit's renewal with Mortenson Dental Partners boosts access to flexible financing for dental care in Indiana, supporting healthcare affordability.
"I couldn't afford my dental work, but with CareCredit I was able to get all of it completed!" said Warsaw resident Darrin K. Read more from our customers.
Renee Spresser's ownership leads Paul's Furniture to Synchrony recognition, showcasing the potential of local entrepreneurship. Read more about our winners.
"My husband was able to get braces as an adult since there is no coverage at all for adults to be covered for this," said Diana P. from Ulysses. Read more consumer insights.
Through agreements with major dental clients, CareCredit expands financing options in Louisiana, enabling more patients to afford necessary dental services.
"I would not have been able to get my teeth fixed and my health under control without access to CareCredit,” said Brittany S. from Jeanerette, LA. Hear from more customers.
Synchrony's award spotlights Level Up Fitness for exemplifying resilience and ensuring community well-being during challenging times. Explore our winners.
Dundalk's Katelyn W. said, "After a long time of putting it off, I was able to get dental work that was very needed... Thank you!" Hear from more customers.
"Absolutely I would recommend CareCredit. This account has helped me so much. I just used it for new RX glasses and RX sunglasses," said Robin M. See what others say.
New Learning Center boosts small businesses like Day's Jewelers in Maine with tools and knowledge for growth, offering finance, marketing, and cybersecurity resources.
"CareCredit offered me the opportunity to be able to give myself better health and give my smile back and I truly could not be more grateful," said Christine A. Hear from others.
New financing program will help Grand Rapids-based business, enabling customers to use its private label credit card at all GreatWater locations in the U.S.
"I have helped my Son create a beautiful smile and have self esteem again! Thanks to CareCredit!" said Pamela P. of Moorhead, MN. Read more customer experiences.
Partnership with the University of Missouri Veterinary Hospital brings Synchrony's CareCredit to local pet owners, ensuring more accessible veterinary care.
Dr. Lott's Belle Vue Specialty Eye Care, recognized by Synchrony, pioneers visual therapy for children, marking a milestone in Mississippi's healthcare.
“I have less anxiety knowing if I get into a bind I can turn to my CareCredit account and get the bills paid and elviate [sic] the stress," said Cheryl R. See what others say.
Synchrony CareCredit's renewed agreements boost financing options for dental care in Nebraska, enhancing patient accessibility to quality healthcare services.
"CareCredit made it affordable for us to be able to purchase hearing aids for my son with technology that works with his iPhone," said Theresa N. Read more customer insights.
"CareCredit helped me get the Lasik eye surgery I have been wanting to do for so many years but was never able to afford it," said Melissa V. of Alliance. See what others say.
Synchrony and Manchester-based CCA Global renew partnership, offering streamlined financing options for diverse product purchases across 2,000 member stores.
"What a blessing it is for the gift of hearing again,” said Raymond F. of Goffstown. “Thank you CareCredit & staff for all you do." Explore more customer experiences.
NJ-based AADOM and Synchrony extend their collaboration, allowing patients to easily finance dental treatments with CareCredit, ensuring a smoother payment experience.
"I hid my smile due to misaligned teeth,” said Zoilary P. of Union City. “CareCredit made treatment affordable. As my teeth aligned, confidence grew." See what others say.
"My teeth needed a lot of work would not have been able to do it if not for CareCredit,” said Dawn D. of Albuquerque. Explore more customer experiences.
"I got LASIK when I was 31 and used my CareCredit card to pay for it,” said Maria G. “And it's been one of the best decisions I ever made for myself." See what others say.
Fortune magazine and Great Place to Work recognize Synchrony for creating a workplace where trust, flexibility and innovation thrive for Tri-State employees
"My daughter needed her teeth fixed and we would not have been able to afford without CareCredit,” said Daniel M. of Battle Mountain. Read more from our customers.
Payzer, headquartered in Charlotte, partners with Synchrony to integrate financing into one platform, simplifying sales and promoting contractor growth.
Synchrony’s collaboration with the Mooresville headquartered company ensures more valuable purchasing options for Lowe's customers and commercial clients.
Synchrony partnership with West Fargo-based Doosan Bobcat offers competitive, simplified financing solutions for Bobcat equipment purchases across the U.S.
"There are many places in my area that accept CareCredit and it has been such a blessing so I don't have to wait to receive the care I need!" See what others say.
Synchrony and Ohio’s Associated Materials continue to lead by providing cutting-edge financing solutions, supporting homeowners in upgrading their living spaces efficiently.
"I have been able to smile with my family knowing I was able to afford crowns for my front teeth and I am forever grateful," said Nicole G. of Newark. See what others say.
"CareCredit has helped myself and my family obtain health services that other ways would have been unavailable,” said Oklahoma City’s Jose R. See what others say.
“I’ve used CareCredit to nearly complete my new smile. The 5 or 6 or 12 month terms offered are suitable with our budget," said Bobette L. Read more customer insights.
Synchrony's recognition of Cordray's Continental Auto Repair in Albany underscores the importance of quality services that support city operations. Explore our winners.
"I have used CareCredit many times but I feel that it has helped me the most by making my LASIK eye surgery affordable,” said Victoria P. of Lock Haven. See what others say.
"I'd recommend CareCredit to friends and family because it can be a helpful financial tool for managing healthcare expenses," said Kayla M. Explore more experiences.
Cheryl B. said it offered "Help with having my daughter [sic] wisdom teeth removed. Wouldn't have been able to do it without CareCredit." Read more from CareCredit customers.
"I don't have a lot of money on hand at all times and this card allows me to take him to his vet appointments without worry," said Brieana M. of Pawtucket. See what others say.
Synchrony and Continental Tire, based in Fort Mills, expand partnership, offering specialized financing and broad network access to consumers and dealers.
"I had to have corneal transplants in both eyes and if it hadn't been for CareCredit I wouldn't have been able to afford it,” said Kimberlie W. Explore more experiences.
"My teeth were so bad no matter what I did I couldn't get them straight or white but with CareCredit I have beautiful white smile now," said Ashly R. See what others say.
"I had a filling that was missing in front for years. I now can smile without hiding my teeth!" said Zella M. of Birchwood. Read more from CareCredit customers.
Synchrony and Knoxville-based JTV extend partnership, celebrating five years of strategic growth and personalized, budget-friendly shopping experiences.
Synchrony's award recognizes Boerne Air Conditioning & Heating for exceptional community service and integrity, enhancing lives with financing options for HVAC needs.
“I used it to get some eye surgery and that allowed me to do it stress free especially when making payments,” said Paige W. of Tooele. Read more from consumers.
Dr. Karl A. Smith, DDS, emphasizes the importance of options, like Synchrony's CareCredit, in ensuring patients receive necessary care without financial strain.
“CareCredit allowed me to get my son the dental work he needed so he could focus on being a healthy kid," said Kayla B. of Roanoke. Read more from CareCredit customers.
"I would definitely recommend CareCredit! It enabled me to pay for my braces as an adult,” said Deborah B. of Burlington. Read more CareCredit insights.
"I have used CareCredit multiple times to pay for both eye surgery years ago and dental work last year,” said Ashley T. of Mount Holly. See what other consumers say.
Synchrony's recognition of Link Audiology, based in Silverdale, underscores the critical role of small businesses in addressing healthcare accessibility in underserved regions.
"CareCredit helped me during a rough time of dealing with my teeth … not having any insurance at the time," said Ashley F. of Kenosha. Read more CareCredit insights.
Synchrony and Appleton-based Mills Fleet Farm expand their long-standing relationship, introducing a Visa® Dual Card to enhance consumer financing options.
Rita B. of Wharncliffe said, "I have been able to help my eldest daughter when she needed surgery do to an infection around her teeth.” See what other consumers say.
"CareCredit has allowed my family glasses that they love and feel confident in. Thanks CC," said Megan E. of Gillette. Learn more from CareCredit customers.
Tessa Baker of Cody, WY said, "CareCredit made it possible for me to afford my corgi’s ACL repair.” Read more customer highlights.
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