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09-Oct-2017 23:47

The point is, CSR roulette may be a little more difficult with Comenity.

My final point: Synchrony’s marketing varies strongly from card to card.

A couple of points about Synchrony credit cards vis-a-vis Comenity.

First of all, compared to Comenity, the credit lines are much lower in my experience.

Which is to say, manufactured spending and/or large purchases may be more difficult with this bank.

Another point: Comenity does not offer any Amex cards, while Synchrony does.

(Edit: I ended up getting this card after all.) With Dick’s rewards program and no credit card, you get 3% back on your in-store purchases. I can’t imagine somebody would want to understate their rewards, but that’s what the math is telling me. The maximum gas discount per calender year is 0, while giving up

The point is, CSR roulette may be a little more difficult with Comenity.

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The point is, CSR roulette may be a little more difficult with Comenity.

My final point: Synchrony’s marketing varies strongly from card to card.

A couple of points about Synchrony credit cards vis-a-vis Comenity.

First of all, compared to Comenity, the credit lines are much lower in my experience.

Which is to say, manufactured spending and/or large purchases may be more difficult with this bank.

Another point: Comenity does not offer any Amex cards, while Synchrony does.

(Edit: I ended up getting this card after all.) With Dick’s rewards program and no credit card, you get 3% back on your in-store purchases. I can’t imagine somebody would want to understate their rewards, but that’s what the math is telling me. The maximum gas discount per calender year is $300, while giving up $1,000 per month on a 2% cashback card would cost $240. Stein Mart recently renewed its agreement with Synchrony, so it looks like this one will be around for a while.

,000 per month on a 2% cashback card would cost 0. Stein Mart recently renewed its agreement with Synchrony, so it looks like this one will be around for a while.

One other thing: rewards certificates expire pretty quickly with this thing. If you’d like to know more, Doctor of Credit wrote it up here, as did Maximizing Money here. I have no idea if any of those stores have gift card racks. Both offer 3 points per dollar spent on gas & restaurants, 2 points per dollar on e Bay and Pay Pal transactions, and 1 point per dollar on everything else.

Last time I called Comenity to ask about something, I didn’t get the answer I needed and the rep connected me to a department he shouldn’t have, wasting a lot of time in the process.

I called back half an hour later hoping to get a hold of somebody more competent only to be connected to exactly the same rep I had talked to before. I’ve never experienced anything like this with a bank before: it felt like he was the only employee and I was the only customer.

worth of gift certificates) per purchase on the card, capped at 5,000 points. A couple of days ago I received an offer for when swiping my card anywhere outside of the Gap brands stores.

And recently I got a nice 5X promo for groceries, gas stations, dining, and Costco.If your local Toys R Us has Kindle or Ebay gift cards on its gift rack, it could conceivably be a good card for you.