Finance AI Index

Index › Vendors › Synchrony Bank · September 2026 Edition

1 category · Named, not ranked

Synchrony Bank

2Judge labels

0First choices

2Negative labels

2 of 12Models named it

1Category

September 2026 Edition. Every number here is derived from the raw labels under vendor table vv2026-09.2, every buyer segment counted.

Standing

2 labels, too few to rank

A product needs 10 labels in a category before a share or quadrant is stated. Synchrony Bank was named 2 times in Business banking, where Mercury led with 20%. The labels and the evidence are below, counted exactly.

By buyer segmentRead the same way at every buyer size.

Small businessnot named

No model named it for this buyer.

Mid-market75 of 78

under the label threshold

Enterprisenot named

No model named it for this buyer.

In business banking · each standing computed within its segment · bars are 0 to 100 · the accent bar is the product's own best reading

Standing by category

Every category where a model named Synchrony Bank for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant
Business banking	Treasury and cash	0%	75 of 78	100%	2	under 10 labels · led by Mercury at 20%

Movement

This is the first edition on this tier, so no move can be computed for Synchrony Bank yet. From the next edition this section shows, per buyer segment, whether its share moved by more than the measured noise floor.

By model

How each model treated Synchrony Bank across every prompt where it was named for a mid-market B2B company. Twelve models, six prompts per category.

Model	Negative	Labels
Claude Haiku 4.5	0	0
GPT-5.4 mini	0	0
Gemini 3.5 Flash	0	0
Perplexity Sonar	0	0
Grok 4.1 Fast	0	0
Mistral Small	0	0
DeepSeek V4 Flash	0	0
Llama 4 Maverick	1	1
Qwen 3.7 Flash	1	1
Kimi K2	0	0
GLM 4.7 FlashX	0	0
MiniMax M2.5	0	0

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct0 labelsNone

Paraphrase0 labelsNone

Comparative0 labelsNone

Budget-constrained0 labelsNone

Scale-constrained0 labelsNone

Negative2 labelsNone

First choiceAlternativeMentionNegative2 labels in all, every segment counted; 0 of the 0 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

No positive label carried a quote.

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“Synchrony Bank is not recommended due to its poor customer reviews and ratings.” Llama 4 Maverick · Business banking · negative prompt · hard negative

“frequently criticized for having high fees, lower interest earnings on deposits” Qwen 3.7 Flash · Business banking · negative prompt · soft negative

Named alongside

The products named in the same answers as Synchrony Bank, over the 2 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Synchrony Bank was named but was not.

ProductSame answerTook the first choice insteadHead to head

Credit One2 of 20Not in the top three

Wells Fargo2 of 20Not in the top three

Bluevine1 of 20Not in the top three

Citibank1 of 20Not in the top three

Citizens Bank1 of 20Not in the top three

Mercury1 of 20Not in the top three

Novo1 of 20Not in the top three

Relay1 of 20Not in the top three

Tide1 of 20Not in the top three

A head-to-head page exists where both products are in a category's top three. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Synchrony Bank. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, four of the twelve in this edition, so these counts come from 2 of the 2 answers that named Synchrony Bank and are not a share of its labels.

Domains cited

ethicalconsumer.org2

reddit.com2

thepennyhoarder.com2

getbanked.co1

statrys.com1

Eight of the eight domain citations in answers naming Synchrony Bank came from somebody else's page.

Pages cited

ethicalconsumer.org/money-finance/shopping-guide/ethical-business-banking2

reddit.com/r/personalfinance/comments/u8mngc/are_there_any_financial_institutions_that_i2

thepennyhoarder.com/bank-accounts/worst-banks2

getbanked.co/blog/high-risk-business-banking-guide1

reddit.com/r/smallbusiness/comments/1l083kx/caution_avoid_relayfi_for_business_banking1

reddit.com/r/smallbusinessuk/comments/1j5l13q/going_round_the_bend_with_business_banking_o1

statrys.com/blog/business-banking-alternatives1

Pages are listed as the models cited them.

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Synchrony Bank's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Synchrony Bank, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

It does not get any change to labels, shares or verdicts, any preview, or any say over which quotes appear. A verification link goes to your work email; an address at synchronybank.com is approved on the spot, any other address is reviewed by hand.

Your name and company appear on the claimed page, or the company alone if you ask below. A title and a LinkedIn address appear there too if you give them, and are left off if you do not. Your email address is never published.