Comparison

MySynchrony vs Sheffield Financial

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

MySynchrony

Securely manage your credit card accounts in one place. This app allows you to view balances, make payments, review transactions, and manage bank accounts. It also offers access to partner deals and financial education resources.

Highlights
  • Manage credit cards in one place
  • Secure biometric login
  • Schedule and manage payments
  • Check balance and credit limit
  • Review transaction history
  • Access partner deals and offers
  • Financial education blog
Features
Currently charting
Read full description

Download the MySynchrony App today to securely manage your credit card accounts* all in one place. With this mobile app you will be able to: • Manage your Synchrony issued credit cards in one place • Log in securely using Biometric Authentication • Schedule and manage payments for your accounts • Check your balance and credit limit anytime, anywhere • Review your transaction and payment history • View your statements and manage your statement delivery preference • Securely add or delete multiple bank accounts that you'd like to use to pay your bill • Explore the Synchrony Marketplace for savings, deals, and offers from our partners nationwide, online, or right in your neighborhood • Access the Finance 101 blog to stay in the know on tips to better manage your finances • Discover answers anytime with our 24/7 Knowledge Center for cardholder resources. • Provide us feedback on your mobile app experience. Let us know how we can help and what’s working. We are here for you.   (For Synchrony Bank Savings accounts, please visit our Synchrony Bank App.) *Credit cards issued by Synchrony, not including Venmo, PayPal Extras, PayPal Credit, TJMaxx/TJX, eBay Extras

About

Sheffield Financial

Easily manage your Sheffield Financial account from your mobile device. View balances, access billing statements, and make secure payments. Schedule one-time or recurring payments using your debit card or banking information.

Highlights
  • View account balances
  • Access billing statements
  • Make one-time payments
  • Schedule recurring payments
  • Secure mobile management
Read full description

With the Sheffield Financial App, it is easier than ever to manage your account on the go. View account balances, billing statements, make one-time payments with your debit card, schedule recurring payments with your banking information and more! Our app is secure and is designed to make managing your account a breeze! GETTING STARTED If you have existing credentials from our customer website, you can use those same credentials to log into the app. Otherwise, create your user profile by selecting Sign Up once you have completed the download.

Screenshots

MySynchrony4 screens
Sheffield Financial3 screens

Verdict

The call

The clearest difference is review sentiment: MySynchrony at 82% against Sheffield Financial's 2%. MySynchrony also leads on rating (4.8 vs 1.4) and update cadence (every 3 weeks vs every 5 months). Sheffield Financial's advantage is iOS requirement (13.0 vs 18). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

MySynchrony holds the better App Store score, 4.8 against 1.4. That said, the two scores are not equally well evidenced: MySynchrony has 116K ratings behind it against 464, so its average is the more settled of the two. Written reviews point the same way: 82% of MySynchrony's written reviews are positive against 2% of Sheffield Financial's.

UpkeepUpdate frequency

MySynchrony ships an update every 3 weeks, Sheffield Financial every 5 months. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

Scorecard6 real differences · 5 level
MySynchrony versus Sheffield Financial: the parameters behind the verdict, then further details
ParameterMySynchronySheffield Financial
PriceFreeFree
Rating4.8 (116K ratings) — better1.4 (464 ratings)
Positive reviews82.2% of reviews — better2.2% of reviews
Number of ratings116K — better464
Update frequencyEvery 3 weeks — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#24 — better—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS1813.0 — better
Further details — not scored
Size197 MB4 MB
Age rating4+17+
DeveloperSynchrony FinancialSheffield Financial

Customer experience

MySynchrony

All ratings115,119 ratings
Positive96.8%
Neutral0.9%
Negative2.3%
Written reviews2,779 reviews
Positive82.2%
Neutral1.7%
Negative16.1%

Sheffield Financial

All ratings332 ratings
Positive8.1%
Neutral1.8%
Negative90.1%
Written reviews178 reviews
Positive2.2%
Neutral1.1%
Negative96.6%

User reviews

MySynchrony

From 116K App Store ratings

What we love

  • 👍 Easy to use
  • 👍 User-friendly
  • 👍 Convenient
  • 👍 Streamlined payment process
  • 👍 Helpful for managing multiple accounts

Room to improve

  • 🐛 App crashes or freezes
  • 🐛 Login issues
  • 🐛 Inconsistent account information
  • 🐛 Difficulty adding or managing accounts
  • 🐛 Unreliable payment processing

Sheffield Financial

From 464 App Store ratings

What we love

  • 💡 Allows Face ID/fingerprint login

Room to improve

  • 🐛 Frequent login issues
  • 🐛 Inaccurate balance information
  • 👎 Difficult to make payments
  • 👎 Lack of user-friendly features
  • 🔒 Security concerns with password reset process

Bugs and requests

MySynchrony

Reported bugs

4 issues
  • Delayed payment updates
  • Incorrect account balance information
  • Compatibility issues with older devices
  • Inability to remove closed accounts from the app

Requested features

5 requests
  • Ability to view all accounts in one place
  • Option to set up automatic payments
  • More detailed transaction history
  • Improved notification system
  • Ability to update personal information within the app

Sheffield Financial

Reported bugs

4 issues
  • Constant password reset requirement
  • Login credentials not recognized
  • App crashing or not loading
  • Outdated app version warnings

Requested features

4 requests
  • Ability to save payment information
  • Improved payment history tracking
  • Automatic payment scheduling option
  • Streamlined login process

In-app purchases

None

MySynchrony

No in-app purchases

None

Sheffield Financial

No in-app purchases

Questions

Is MySynchrony free?
MySynchrony is free to download, with no in-app purchases.
Is Sheffield Financial free?
Sheffield Financial is free to download, with no in-app purchases.
Which has better reviews, MySynchrony or Sheffield Financial?
MySynchrony is rated higher. MySynchrony averages 4.8 out of 5 from 116K ratings, while Sheffield Financial averages 1.4 from 464 ratings.
Do MySynchrony or Sheffield Financial have ads?
Neither MySynchrony nor Sheffield Financial shows ads.
Which is updated more often, MySynchrony or Sheffield Financial?
MySynchrony ships an update every 3 weeks, and Sheffield Financial every 5 months. Most recently, MySynchrony was updated on October 26, 2026 and Sheffield Financial on October 25, 2026.

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