Cathay Pacific Visa Signature® Card
Basic Information
Program ID: cathay-pacific-visa-signature-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/10/2026 08:43
Last Scraped: 01/15/2026 09:07
Fee Structure
| Annual Fee: | $99.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-1.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $60,000.00
Spending Requirement: $8,000.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met.
Rewards Program
Reward Type: Airline Miles (Asia Miles)
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Cathay Pacific Purchases, 1.5x Foreign Transactions
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Miles earned from January 1, 2020, onwards do not expire as long as you earn or redeem at least once every 18 months. Otherwise, they expire after 18 months of inactivity.
Transfer Partners: Cathay Pacific, Oneworld Alliance Airlines (e.g., American Airlines, British Airways, Japan Airlines, Qantas)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the Cathay Pacific Visa Signature Card, applicants typically need a good to excellent credit score (FICO 670+), a stable income, and must be 18 years or older (19 in AL and NE). The sign-up bonus, for example, a typical offer might be 'Earn 50,000 Asia Miles after spending $2,000 in the first 3 months of account opening.' This bonus is generally available only to new cardmembers who have not received a bonus for this specific product in the past 24 months. Synchrony's underwriting considers overall credit exposure and recent credit inquiries, though they do not have a strict 'X/24' rule like some other major issuers. Approval is subject to Synchrony's internal credit policies and ability to pay.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony products, repeated sign-up bonus churning, late payments, defaulting on other Synchrony accounts, suspicious account activity, or violation of cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Strong sign-up bonus for Cathay Pacific flyers, no foreign transaction fees, and decent earning rates for loyal customers.
Top Negative Feedback:
Niche rewards program, Synchrony customer service can be inconsistent, and the annual fee may not be justified for infrequent Cathay Pacific travelers.
Approval Experience Score: 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: $230.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0