Zync from American Express®


  • Earn 10,000 Membership Rewards Express® points with your first purchase
  • Customize the Card with features and benefits that suit your lifestyle
  • Zero interest because you pay in full each month
  • Receive Membership Rewards Express points for every eligible dollar you spend, then redeem points for great travel, shopping, and entertainment rewards
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Good Credit, Excellent Credit Personal $25 * N/A* N/A* N/A* Flexible Options
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Quick Summary:
This rewards card with flexible options is issued by American Express. This card is intended for consumers, or "personal use" with a good to perfect credit history.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. This card does not have an APR or is not listed. Please read the disclosures regarding payment terms. There is an annual fee of $25 ** for this card.

Rewards:
This is a flexible options rewards card. You should be able to choose different reward types, such as travel, points, or other options. This type of card adjusts to the changing needs of the cardholder.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 700 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any American Express product.

Other Basics:
American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.

Approval Rate:
There were 25 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 88% of those applicants were approved.

The approval rate for this card is average. Furthermore, if your FICO score is close to or higher than 700, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 87% of 15 users recommend this card.
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