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My final point: Synchrony’s marketing varies strongly from card to card.The Gap brands cards, for example, seem to get a lot of good marketing offers, while I’ve received no offers whatsoever on my Dillard’s Amex since the first month. 5% back for in-store purchases at Gap brands stores, 1% elsewhere. I got it after reading the write-up by Miles Abound wherein he details the ridiculously generous promotions offered for this card.One virtue of this card is that it’s a fee-free Amex.You can see more info and a full review of the Dillard’s Amex card here. Not a whole lot of promotions on this one (though I have had a few recently–see here, here, and here), certainly nothing like the Banana Republic card. In my last post, I talked about credit cards issued by Comenity, one of the two major retailer credit card issuers.

It looks like the big draw with this one is periodic 10% discounts on purchases. A few months ago I received an offer for 200 points (i.e. 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.Hopefully they can settle on a name and be done with it.A couple of points about Synchrony credit cards vis-a-vis Comenity.

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