MySynchrony vs Universal Rewards Visa
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
Universal Rewards Visa
Easily manage your credit card account on the go. Check balances, view statements, and make payments securely. Receive email alerts for important account updates. This free app offers a simple and secure way to handle your finances.
- Check account balance
- View statements and transaction history
- Pay credit card bill
- Set up email alerts
- Secure account access
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Manage your Universal Rewards Visa account anytime, from anywhere! With your Universal Rewards Visa mobile app you can: - Check your account balance - View your statement and transaction history - Pay your credit card bill - Set up account related email alerts IT’S SECURE - Your security is always our top priority - The Universal Rewards Visa mobile app uses the same security that you use to access your account online IT’S SIMPLE - The Universal Rewards Visa app is simple to use and understand - Your account information will fit your device’s screen and is easy to read and work with IT’S FREE - The Universal Rewards Visa app is available at no cost to you - Your mobile carrier’s message and data rates may apply HOW TO GET STARTED Download the app now and log in with your Online username and password.
Screenshots
Verdict
The clearest difference is ratings volume: MySynchrony at 111K against Universal Rewards Visa's 2.2K. MySynchrony also leads on chart position (#44 vs unranked). Universal Rewards Visa's advantage is iOS requirement (16.0 vs 18). On price, rating, review sentiment and update cadence 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.8 for MySynchrony against 4.9 for Universal Rewards Visa. That said, the two scores are not equally well evidenced: MySynchrony has 111K ratings behind it against 2.2K, so its average is the more settled of the two. Written reviews are what separate them: 82% of MySynchrony's written reviews are positive against 75% of Universal Rewards Visa's.
MySynchrony ships an update every 3 weeks, Universal Rewards Visa every 2 months. The most recent releases landed on September 27, 2026 and September 24, 2026 respectively.
| Parameter | MySynchrony | Universal Rewards Visa |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (111K ratings) | 4.9 (2.2K ratings) — better |
| Positive reviews | 81.9% of reviews — better | 75.0% of reviews |
| Number of ratings | 111K — better | 2.2K |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Best chart rank | #44 — better | — |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18 | 16.0 — better |
| Further details — not scored | ||
| Size | 205 MB | 48 MB |
| Age rating | 4+ | 4+ |
| Developer | Synchrony Financial | First Bankcard |
Customer experience
MySynchrony
Universal Rewards Visa
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
Universal Rewards Visa
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MySynchrony
No in-app purchases
Universal Rewards Visa
No in-app purchases
Questions
Is MySynchrony free?
Is Universal Rewards Visa free?
Which has better reviews, MySynchrony or Universal Rewards Visa?
Do MySynchrony or Universal Rewards Visa have ads?
Which is updated more often, MySynchrony or Universal Rewards Visa?
Other comparisons
