It's nice to find a secured credit card with a $0 annual fee. Even better is one that offers a path to upgrade to a regular card. This one does both — and it gives you rewards, too.

Synchrony Bank has a few standout cards in its portfolio. But customer satisfaction isn't the issuer's strong suit, and its retail cards — like most others — come with drawbacks and restrictions.

The credit card giant says its One Credential will let you pay via credit, debit, installment and crypto. Here's what to ...