Midas Credit Card: Reviews & Complaints, Fees, Bill Payment, Apply

Then Synchrony Bank issues you with Midas Credit Card. The bank offers variety of rewards and benefits for the cardholders so that they can make purchases at Mobile Gas Station and U.S. Exxon.

There is no annual fee charged to you on this card. In addition, the introductory APR is zero. The requirements for the credit card are low. You can use your Midas Credit Card at Mobile Gas Station and U.S. Exxon.

Fees & Rates

The details of Fees and rates of Midas Credit Card are mentioned below:

  • There is no annual fee charged to you.
  • The requirements of this card is low.
  • There is no Intro APR rates applicable for you.
  • The normal APR charged to you is 27.24%.
  • None of the Cash advance APR rates is applicable for you.
  • None of the Cash advance Fee is charged to you.

Midas Credit Card Features:

  • If you will make your payments in full within 6 months on making the promotional purchases of $199 or more you will not be charged with any interest rate. However, if you will not pay the promotional purchase within 6 months in full from the purchase date then you have to pay the interest rate.
  • The annual fee is none.
  • Can use the card at 1,000 locations of Midas.
  • You can easily manage your card account activities online.
  • The card is accepted all over the U.S mostly at gas stations.

Fine Print:

  • The offer is applicable for the single receipt purchases only. If you will make your payments in full within 6 months on making the promotional purchases of $199 or more you will not be charged with any interest rate. However, if you will not pay the promotional purchase within 6 months in full from the purchase date then you have to pay the interest rate. It depends on the length of promotion, payment allocation and purchase amount then whether the minimum monthly payment should be paid off or not before the promotional period.
  • Then terms applied on the non-promotional purchases and after the promotion is ended, is regular. The cardholders having a new account had to pay the purchase APR of 29.99% and 2% is for minimum interest charge. Old cardholders should go through the agreement, which they had accepted before which lead to credit approval. We can alter the terms of the offer any time as we are having the rights for this.
  • Cardholders having a new account had to pay the purchase APR of 29.99% and 2% for the Minimum Interest Charge.
  • You cannot make purchases for Gas Stations, as it is not eligible for the promotional financing.

Customer’s Reviews and Complaints

After collecting the complaints and reviews from the customers, some of the reviews below are collected from different sources and forums.

“I will definitely recommend this credit card. You can also raise your credit score by using this card. Just make your payments on time and you will be eligible for the opportunity to build your credit score as this is a great platform for such customers.”

“They had good customer service I have ever experience in my life. I made all of my payments before time and they sealed my account due to some automatic issues. I asked them to open my card and they talked to me nicely and said soon your card will be activated. I was glad that I am using this service.”

“Its been a year as their customer and I had some issues early on but they resolved my problems through customer service and from that day I am very pleased and sometimes I am amazed to see all the negative feedbacks from their customers because I never faced any problem like they did.”

“From the past 2 years I am having this card. They had decreased my credit limit, which they had assigned me two times. This was done after I made huge payments from my account. I had never been late to make my payment clear by using this card. When I called the customer service for reason, they replied we had sent you a letter. Is this a way to deal with the customers?”

No issue at all. The customer service is very good. I am having a card since 1 year and receive the increase in my credit limit. I always make payments on time so no interest in charged to me.”

“ As I am the old customer of midas I don’t have any issue on having this card or in case I have any issue regarding my payment or something else they are all time ready to help me as this card is meeting all the requirements of mine so it is good option.”

“Best option to have. I own this card from the last two year and recently in December; I got an increase in my credit limit, which effected my credit score in good sense. I wonder when I get the increase in limit again.”

“This card is very nice and convenient. You can apply for this card easily; I make payments for my first bill using the online service, which was very easy to use. They are not providing the good rates. Surely I will recommend this card to everyone.”

“Easy to apply, the process of application is completed in a few minutes. Their team is very humble and polite and they provide you with the latest information and provide you a platform to increase your credit limit.”

Also Read: Herbergers Credit Card: Reviews & Complaints, Fees, Login & Bill Pay

How To Pay Your Midas Credit Card

Synchrony Bank issues you a Midas Credit Card. To pay your bill online you can simply log in to your account by using the link Midas Login and then go through the dashboard of your account and next click on the payment button.

If you do not have an online access, you can pay it using your phone by dialing the number 866-657-0376.

If you do not have any online access and for some reason you are unable to contact on phone then you can use the third method for making payment. You can send your payment on the mailing address mentioned below:

Midas Card / Synchrony Bank,
P.O. Box 960061,
Orlando, FL 32896.

How To Apply For Midas Credit Card

If you are interested to apply for this card then go through the steps given below:

  • Visit the official site of Midas by using the link www.midas.com to access the homepage.
  • Scroll down and at the end of the page you will see a link of Apply now, Click on it.
  • Now read the terms and conditions before starting the application process and complete the process.
  • Now you have to enter the purchase amount if you know.
  • Next the personal information is required in which you have to enter the information like your full name(first, middle, last), Suffix, Zip code, mailing address, primary phone, Apt, type, additional phone number, email address, type, Social Security Number, Housing information that include the options (Own, rent, other), date of birth and your monthly income from all the sources.
  • Having a joint applicant or not?
  • Next, you have to select the method of Statement Delivery (Electronic or paper statement).
  • Now go through the section of Optional Card Security enrollment selection, go through the agreement of optional card security and read the agreement of the security Debt cancellation program.
  • Now mark the box if you want the optional card security programs as it qualifies as your signature.
  • To proceed further click on the Continue button.

How To Activate Midas Credit Card

If you want to activate your credit card then go through the steps given below:

  • Visit the official site to log in your account by using the process defined above.
  • Locate the option of Activate Card and click on it.
Activate Midas Credit Card
  • Now provide your primary information that includes your credit card number, security code (3-digits), Social security number (last four digits) and date of birth.
Activate Midas Credit Card
  • Click on Activate button to complete the activation process.
Activate Midas Credit Card

How To Log In To Midas Credit Card

If you are already a user of Midas Credit card and want to access your account to manage, your card activities then go through the process below:

  • Visit the official site of Synchrony Bank.
  • You will be directed towards the homepage of Synchrony.
  • Now you will see a Login section on the right side of the homepage.
Midas Credit Card Login
  • Here you have to enter your login credential i.e. your username and password.
Midas Credit Card Login
  • Next click on Secure Log In button to access your account.
Midas Credit Card Login

How To Recover Your Midas Username ID And Password

In case if you have forgotten your Midas Credit Card account’s password or username you can retrieve it by using the process defined below:

  • Access the login page by using the method defined above.
  • In the login section you will see an option of “Find User ID”.
  • Click on it.
  • Now you have to enter your Account number, Social Security Number (4-digits) and date of birth.
  • Next click on continue button.

For retrieving your password

  • Now Click on “Reset password” link.
  • Provide your User ID and a Zip Code in the given space.
  • Next click on continue button.

Midas Credit Card Customer Service Center

If you have any query related to Midas Credit Card or want some help then you can use the customer service number i.e. 1-866-657-0376.

Also Read: Walmart Credit Card: Reviews & Complaints, Rewards, Bill Payment, Apply

Frequently Asked Questions

  • Do you use your Midas Credit Card anywhere in the world?

This card can be used where such payment networks are accepted.

  • How can I make payments using Midas credit card?

First, with the help of phone, make a “Midas” credit card payment. You can make payments on phone from your Midas account but this process has a fees that user has to pay. For more details, call at the toll free account management number at 1- 866-657-0376.

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