17
Benefits3
Reward Categories2x
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Flights | 2x | Miles | Eligible Cathay Pacific purchases | No Cap | |
| Dining | 1.5x | Miles | Eligible dining purchases | No Cap | |
| All Other Purchases | 1x | Miles | No Cap |
Rewards Summary
PENDINGReward Type: Miles
Base Rate: 1x
Bonus Rate: 2x
Categories: Cathay Pacific purchases and in-flight purchases
Quarterly Rotating: No
Expiration Policy: Asia Miles expire 36 months after they are credited to your account. Miles can be extended by earning or redeeming miles within the 36-month period.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Redemption fees, change fees, and carrier-imposed surcharges may apply to award flights.
Benefits & Protections (Detailed) 17 Total
PENDINGAnnual Bonus 1
Annual Spend Bonus Asia Miles
10,000 bonus Asia Miles annuallyEarn 10,000 bonus Asia Miles annually when you spend $10,000 or more on eligible purchases within your card membership year.
Lifestyle 1
Concierge Services
24/7 personalized assistanceProvides 24/7 personalized assistance for travel, dining, entertainment, and shopping needs.
Purchase Protection 2
Purchase Security
Up to $500 per claim, $50,000 per cardholderProtects eligible items purchased with the card that are stolen or damaged within 90 days of the purchase date.
Extended Warranty Protection
Up to $10,000 per claim, $50,000 per cardholderExtends the original manufacturer's warranty by up to one additional year on eligible items with warranties of three years or less when purchased with the card.
Rewards Earning 2
Accelerated Asia Miles Earning on Cathay Pacific
2 Asia Miles per $1Earn 2 Asia Miles for every $1 spent on eligible purchases made directly with Cathay Pacific.
Standard Asia Miles Earning
1 Asia Mile per $1Earn 1 Asia Mile for every $1 spent on all other eligible purchases.
Status Benefits 2
Complimentary Cathay Pacific Green Tier Membership
Complimentary Green tier membershipReceive complimentary Cathay Pacific Green tier membership for the first year of card membership.
Cathay Pacific Silver Tier Membership Upgrade
Silver tier membership upgradeUpgrade to Cathay Pacific Silver tier membership when you spend $25,000 or more on eligible purchases within your card membership year.
Travel 1
No Foreign Transaction Fees
0% foreign transaction feesPay no foreign transaction fees on purchases made outside the United States.
Travel Assistance 2
Travel and Emergency Assistance Services
Assistance servicesConnects cardholders to a network of medical, legal, and travel services when traveling away from home. Cardholders are responsible for the cost of third-party services.
Roadside Dispatch
Pay-per-use serviceA pay-per-use roadside assistance program available 24/7 for services like towing, tire changing, jump starting, lockout service, and fuel delivery.
Travel Insurance 4
Trip Cancellation/Interruption Insurance
Up to $1,500 per covered personReimburses non-refundable passenger fares for covered reasons when a trip is cancelled or interrupted. Coverage applies to eligible common carrier travel purchased with the card.
Trip Delay Reimbursement
Up to $300 per ticketReimburses reasonable expenses (e.g., meals, lodging) when a covered trip is delayed by more than 6 hours or requires an overnight stay. Coverage applies to eligible common carrier travel purchased with the card.
Lost Luggage Reimbursement
Up to $3,000 per tripReimburses for the actual cost to repair or replace checked or carry-on luggage and its contents lost or damaged by the Common Carrier. Coverage applies to eligible common carrier travel purchased with the card.
Auto Rental Collision Damage Waiver
Secondary coverageProvides secondary coverage for damage due to collision or theft for most rental vehicles when the eligible rental is paid for with the card and the rental company's collision damage waiver is declined.
Welcome Bonus 2
First Purchase Bonus Asia Miles
10,000 bonus Asia MilesEarn 10,000 bonus Asia Miles after making your first purchase with the card.
Initial Spend Bonus Asia Miles
5,000 bonus Asia MilesEarn an additional 5,000 bonus Asia Miles after spending $2,500 on eligible purchases within the first 90 days of account opening.
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
PENDING25,000
Points/MilesRequirement: Spend $2,500 in 90 days
Timing: Bonus miles will be awarded to your Cathay Pacific Asia Miles account 6-8 weeks after you meet the spending requirement.
Fee Structure
PENDING| Annual Fee: | $99.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $99.00 |
| Penalty APR: | 0.00% |
| 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
No Interest Rate Data Available
Click "Get Data" button below to fetch interest rate information.
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: As of 2026, Synchrony Bank (USA) no longer issues the Cathay Pacific Visa card. Therefore, there are no specific 2026 bonus offers or application rules for this card from Synchrony. For Synchrony's currently issued credit products, general eligibility typically requires applicants to be 18+ years old, possess a valid SSN/ITIN, maintain a US residential address, and demonstrate sufficient creditworthiness (e.g., adequate credit score, stable income, and manageable debt-to-income ratio). Synchrony also considers an applicant's recent credit application history and prior account standing with them.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony generally does not implement complex 'cliff effect' or 'card family' rules that restrict bonus eligibility based on holding or having held other cards within its diverse portfolio. Welcome offers are typically tied to individual product applications and their specific terms.
Special Events: While Synchrony's extensive portfolio of store-branded credit cards frequently features special in-store events and exclusive discounts, these types of promotions are not typically associated with co-branded travel cards like the Cathay Pacific Visa (if it were still issued by Synchrony).
Holiday Promos: Synchrony's store card portfolio often runs specific promotional periods during major holidays (e.g., Black Friday, Cyber Monday, Christmas) offering enhanced rewards or financing. This is less common for co-branded travel cards.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Excellent for earning Asia Miles, especially for frequent Cathay Pacific flyers. Offers valuable travel benefits like lounge access or priority boarding, and a decent sign-up bonus.
Top Negative:
Synchrony customer service can be challenging. The rewards structure for general spending might not be as competitive as other cards. The annual fee may not be justified for infrequent travelers.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- American Express Gold Card
- United Explorer Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $450.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0