Synchrony Financial is a consumer financial services company and the largest provider of private-label credit cards in the United States. It partners with retailers, merchants, and healthcare providers to offer credit products both in physical stores and through websites and mobile applications. The company operates through three segments: Retail Card, which issues private-label and co-branded general-purpose credit cards; Payment Solutions, which provides promotional financing for large-ticket purchases in categories such as home, auto, and electronics; and CareCredit, which offers financing for elective healthcare and veterinary procedures. Its customers include major national and regional retailers and healthcare providers, and its revenue comes primarily from interest and fees on consumer credit balances, as well as interchange and other fees. Synchrony is headquartered in Stamford, Connecticut, and focuses on the U.S. market.

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