4
Benefits2
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Avenue Purchases | 5x | Points | Purchases made at Avenue.com and in Avenue stores. | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Mastercard is accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 2x
Categories: Avenue.com and on Avenue purchases in stores
Quarterly Rotating: No
Expiration Policy: Reward Certificates expire 90 days from the date of issuance.
Point Value: 0.05¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rewards are issued as $10 Reward Certificates for every 200 points earned. Certificates are only valid for purchases at Avenue.com and Avenue stores, cannot be used for previous purchases, gift cards, or as payment on your credit card account, and have no cash value. Only one Reward Certificate may be redeemed per transaction.
Benefits & Protections (Detailed) 4 Total
PENDINGFinancial 1
No Annual Fee
$0The Avenue Mastercard does not charge an annual fee for card membership.
Shopping 3
Rewards on Avenue Purchases
5% backCardholders earn 5% back in rewards on all purchases made at Avenue.
Special Financing Offers
Varies by offerAccess to special financing promotions on qualifying purchases made with the Avenue credit card.
Exclusive Cardmember Offers
Varies by offerReceive exclusive discounts and promotions available only to Avenue credit cardholders.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: New cardholders for the Avenue Mastercard in 2026 are expected to receive a bonus, typically a percentage off their first Avenue purchase or a statement credit after meeting a small spend threshold within the first 90 days of account opening. Specific offers may vary annually. Eligibility requirements include being 18 years or older, a U.S. resident with a valid SSN or ITIN, and possessing a fair to good credit history. Approval is subject to Synchrony's credit underwriting standards, which consider overall credit exposure with Synchrony and recent credit inquiries. As a store-branded card, its primary benefits and promotional offers are designed for and maximized within the Avenue retail ecosystem.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not have strict 'card family' cliff effects. However, approval for new Synchrony cards is heavily influenced by the applicant's existing total credit exposure with Synchrony. Reaching a high cumulative credit limit across all Synchrony accounts can make it difficult to be approved for additional cards or receive credit limit increases.
Special Events: Exclusive cardholder discounts, early access to sales, birthday rewards, loyalty program tier bonuses, and special financing offers on Avenue purchases.
Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Valentine's Day, Mother's Day, Memorial Day, Labor Day, Back-to-School, and seasonal clearance events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy application process, useful for frequent Avenue shoppers, occasional special discounts and promotions.
Top Negative:
High APR, limited rewards outside of Avenue, customer service can be slow, credit limit often low.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One Platinum Secured Mastercard
- Discover it® Secured Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0