19
Benefits3
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: cathay-pacific-visa-signature-card
Issuer: Synchrony
Card Name: Cathay Pacific Visa Signature® Card
Card Type: Credit
Network: Visa
Card Tier: Signature
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Cathay Pacific Purchases | 2x | Miles | Purchases made directly with Cathay Pacific, including flights, upgrades, and other services. | No Cap | |
| Dining | 1.5x | Miles | Purchases at restaurants, cafes, bars, and other dining establishments. | No Cap | |
| All Other Purchases | 1x | Miles | All eligible purchases not falling into other bonus categories. | No Cap |
Rewards Summary
PENDINGReward Type: Asia Miles
Base Rate: 1x
Bonus Rate: 2x
Categories: 2x Cathay Pacific purchases, 1.5x Dining and In-flight purchases
Quarterly Rotating: No
Expiration Policy: Asia Miles do not expire as long as you earn or redeem at least once every 18 months. Otherwise, they expire 18 months after the activity date.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 19 Total
PENDINGLifestyle 1
Visa Signature Concierge
24/7 assistanceProvides complimentary 24/7 personal assistance for travel planning, dinner reservations, event tickets, and more.
Purchase Protection 2
Purchase Security
Up to $500 per claim, max $50,000 per account per yearReplaces, repairs, or reimburses you for eligible items purchased with your card that are stolen or accidentally damaged within 90 days of the purchase date, up to $500 per claim, with a maximum of $50,000 per account per year.
Extended Warranty Protection
Up to 1 additional yearExtends the manufacturer's original U.S. warranty by an additional year on eligible items purchased with your card, for warranties of three years or less.
Rewards 5
Cathay Pacific Purchase Rewards
2 Asia Miles per $1Earn 2 Asia Miles for every $1 spent on eligible Cathay Pacific purchases.
Dining Purchase Rewards
1.5 Asia Miles per $1Earn 1.5 Asia Miles for every $1 spent on eligible dining purchases.
Everyday Purchase Rewards
1 Asia Mile per $1Earn 1 Asia Mile for every $1 spent on all other purchases.
Welcome Bonus Miles
25,000 Asia MilesEarn 25,000 Asia Miles after you spend $2,000 in the first 90 days of account opening.
Annual Asia Miles Bonus
Up to 10,000 Asia Miles annuallyEarn 10% of the Asia Miles you earned in the previous year, up to 10,000 Asia Miles, when you renew your card.
Security 2
Emergency Cash and Card Replacement
Emergency servicesProvides emergency cash or a replacement card if your card is lost or stolen, typically within 24-72 hours.
Zero Liability Protection
0% liability for fraudProtects you from unauthorized purchases made with your card or account information. You won't be held responsible for fraudulent charges.
Travel 2
No Foreign Transaction Fees
0% foreign transaction feeAvoid foreign transaction fees on purchases made outside the United States.
Visa Signature Luxury Hotel Collection
Various hotel benefitsAccess to a curated collection of hotels worldwide with premium benefits like best available rate guarantee, automatic room upgrade upon arrival (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).
Travel Assistance 2
Travel and Emergency Assistance Services
Assistance servicesConnects you with the appropriate local emergency services, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services obtained.
Roadside Dispatch
Pay-per-use serviceA pay-per-use roadside assistance program. Call 1-800-VISA-TOW for services like towing, tire changing, jump starting, lockout service, fuel delivery, and winching.
Travel Insurance 5
Auto Rental Collision Damage Waiver
Up to actual cash value of most rental vehiclesProvides coverage for damage due to collision or theft for most rental cars when you pay for the entire rental transaction with your eligible Visa Signature card and decline the rental company's collision damage waiver. Coverage is secondary to other applicable insurance.
Lost Luggage Reimbursement
Up to $3,000 per tripReimburses you for the actual cost to repair or replace your checked or carry-on luggage and its contents, up to $3,000 per trip, if lost or stolen on a common carrier trip when the entire fare is paid with your eligible Visa Signature card.
Baggage Delay Reimbursement
Up to $100 per day for 3 daysReimburses you for the purchase of essential items, such as toiletries and clothing, when your baggage is delayed by a common carrier for more than 6 hours, up to $100 per day for a maximum of 3 days, when the entire fare is paid with your eligible Visa Signature card.
Trip Delay Reimbursement
Up to $500 per ticketReimburses you for reasonable additional expenses (meals, lodging) incurred when your common carrier trip is delayed for more than 6 hours or requires an overnight stay, up to $500 per ticket, when the entire fare is paid with your eligible Visa Signature card.
Trip Cancellation/Interruption Insurance
Up to $2,000 per person per tripReimburses you for non-refundable passenger fares if a covered trip is canceled or interrupted for covered reasons (e.g., accidental injury, illness, severe weather), up to $2,000 per person per trip, when the entire fare is paid with your eligible Visa Signature card.
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 $1,000 in 90 days
Fee Structure
PENDING| Annual Fee: | $99.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $99.00 |
| Authorized User Fee: | $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
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Cathay Pacific Visa Signature Card in 2026 will generally require applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number or ITIN. A strong credit profile, typically a FICO score of 690 or higher, is expected for approval. The standard sign-up bonus, which usually involves earning a specific amount of Asia Miles after meeting a defined spending threshold (e.g., $2,000 - $3,000) within the initial 3 months of account opening, is typically limited to one per customer. Synchrony may also consider an applicant's existing credit relationships with them, overall credit exposure, and recent credit inquiries when evaluating applications.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not typically enforce complex 'card family' or 'once-per-lifetime' rules across different co-branded products in the same manner as some other major issuers. However, the sign-up bonus for the Cathay Pacific Visa Signature Card is generally limited to one per customer, meaning you may not be eligible for a second bonus if you have previously held this specific card and received the bonus.
Special Events: N/A - This is a co-branded airline Visa Signature card, not a traditional store card. Promotional events would typically be tied to Cathay Pacific or general Visa offers.
Holiday Promos: N/A - This is a co-branded airline Visa Signature card. Holiday promotions are generally not specific to the card itself but may be offered by Cathay Pacific or Visa.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
Strong rewards for Cathay Pacific loyalists, decent sign-up bonus, useful for international travel benefits.
Top Negative:
Limited flexibility outside Cathay Pacific, Synchrony customer service issues, potentially lower rewards rate than general travel cards.
Approval Experience: 78.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- American Express Gold Card
- British Airways Visa Signature Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $250.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 1.0