# Card by FNBO vs MySynchrony

Card by FNBO and MySynchrony both sit at 4.8 stars, but that hides the real split: 82% of MySynchrony's written reviews are positive against 51% of Card by FNBO's. MySynchrony also leads on update cadence (every 3 weeks vs every 2 months) and chart position (#27 vs unranked). Card by FNBO's advantage is iOS requirement (16.0 vs 18). On price, rating, ratings volume and ads there is nothing between them.

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 Card by FNBO against 4.8 for MySynchrony. Both are backed by a comparable volume of ratings — 131K and 118K respectively. Written reviews are what separate them: 51% of Card by FNBO's written reviews are positive against 82% of MySynchrony's.

Card by FNBO ships an update every 2 months, MySynchrony every 3 weeks. Both last shipped on November 5, 2026.

## The numbers

| Metric | Card by FNBO | MySynchrony |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (131K ratings)](https://appshunter.io/ios/app/card-by-fnbo/id631020359/reviews)** | [4.8 (118K ratings)](https://appshunter.io/ios/app/mysynchrony/id1280992496/reviews) |
| Number of ratings | **131K** | 118K |
| Positive reviews | 51.0% of reviews | **82.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Best chart rank | — | **#27** |
| Size | 48 MB | 197 MB |
| Requires iOS | **16.0** | 18 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [First Bankcard](https://appshunter.io/developer/631020362) | [Synchrony Financial](https://appshunter.io/developer/989262152) |

## What reviewers say

### Card by FNBO

[App page](https://appshunter.io/ios/app/card-by-fnbo/id631020359)

Manage your credit card account conveniently and securely on the go. View balances, transaction history, and statements. Pay your bill and set up email alerts for important account updates.

**Highlights:** Check account balance, View statement and transaction history, Pay credit card bill, Set up account email alerts, Secure login

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💻 Quarter century user
- 🔒 Robust security features
- 📱 User-friendly app
- 💳 Great starter credit card

**What reviewers complain about**

- 🤖 Malfunctioning app login
- 💸 Paying interest not as promised
- 🚫 Reduced credit limit
- 🤔 Unclear payment policies
- 🕰️ Slow payment processing

**Reported bugs**

- App login issues
- Payment processing problems
- Account management difficulties

**Requested features**

- Allow stacking of multiple payments
- Provide option to save multiple payment methods
- Improve app stability and login experience


### MySynchrony

[App page](https://appshunter.io/ios/app/mysynchrony/id1280992496)

**Currently charting:** #27 Top Free · Finance (US App Store)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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


## Frequently asked questions

### Is Card by FNBO free?

Card by FNBO is free to download, with no in-app purchases.

### Is MySynchrony free?

MySynchrony is free to download, with no in-app purchases.

### Which has better reviews, Card by FNBO or MySynchrony?

Card by FNBO is rated higher. Card by FNBO averages 4.8 out of 5 from 131K ratings, while MySynchrony averages 4.8 from 118K ratings.

### Do Card by FNBO or MySynchrony have ads?

Neither Card by FNBO nor MySynchrony shows ads.

### Which is updated more often, Card by FNBO or MySynchrony?

Card by FNBO ships an update every 2 months, and MySynchrony every 3 weeks. Most recently, Card by FNBO was updated on November 5, 2026 and MySynchrony on November 5, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*