5
Benefits3
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: cathay-pacific-visa-world-elite-mastercard
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 |
|---|---|---|---|---|---|
| Flights | 2x | Miles | Purchases made directly with Cathay Pacific Airways. | No Cap | |
| Dining | 1.5x | Miles | Purchases at restaurants. | No Cap | |
| All Other Purchases | 1x | Miles | All eligible purchases not categorized as Cathay Pacific Airways or restaurants. | No Cap |
Rewards Summary
PENDINGReward Type: Asia Miles
Base Rate: 1x
Bonus Rate: 2x
Categories: Cathay Pacific purchases, Dining, Eligible travel purchases
Quarterly Rotating: No
Expiration Policy: Asia Miles do not expire as long as there is at least one eligible earning or redemption activity every 18 months.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 5 Total
PENDINGRewards 4
Welcome Offer: Asia Miles Bonus
25,000 Asia MilesEarn 25,000 Asia Miles after making your first purchase with the card.
Accelerated Miles Earning on Cathay Pacific Purchases
2 Asia Miles per $1Earn 2 Asia Miles for every $1 spent on eligible Cathay Pacific purchases.
Accelerated Miles Earning on Foreign Transactions
1.5 Asia Miles per $1Earn 1.5 Asia Miles for every $1 spent on eligible foreign transactions.
Standard Miles Earning on All Other Purchases
1 Asia Mile per $1Earn 1 Asia Mile for every $1 spent on all other eligible purchases.
Travel 1
No Foreign Transaction Fees
0% foreign transaction feeAvoid additional fees on purchases made outside the United States.
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
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 31.24% |
| 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 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% - 33.24%
Balance Transfer APR: 29.99%
Cash Advance APR: 33.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Cathay Pacific Visa World Elite Mastercard in 2026 typically requires applicants to be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess good to excellent credit (generally FICO score 700+). Applicants should not have an excessive number of recent credit inquiries or new accounts across all issuers. Bonus eligibility is usually restricted to new cardmembers who have not received a sign-up bonus for this specific card product within the last 24 months. The standard sign-up bonus typically involves earning a set amount of Asia Miles after meeting a specified minimum spending requirement within the first 3 to 6 months of account opening. Synchrony reserves the right to deny applications based on overall credit exposure with the issuer or other internal risk assessments.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Bonus eligibility for the Cathay Pacific Visa World Elite Mastercard is typically limited to once every 24 months per card product. While Synchrony does not have a strict '5/24' or 'once per lifetime' rule across all its co-branded cards like some other major issuers, overall credit exposure and recent account openings with Synchrony will influence approval decisions for new applications. Applying for multiple Synchrony cards in a short timeframe may lead to denials or lower credit limits.
Special Events: Less directly applicable to co-branded airline cards, but Synchrony may offer general spending incentives, balance transfer promotions, or special financing offers across its portfolio during specific periods. These are typically broad Synchrony-wide promotions rather than Cathay Pacific-specific events.
Holiday Promos: Synchrony may run general promotional campaigns during major holiday seasons (e.g., Black Friday, Cyber Monday, year-end holidays) or specific shopping events, which could include bonus earning opportunities or statement credits for certain spending categories, though these are less common for co-branded airline cards compared to retail store cards.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
Users appreciate the ability to earn Asia Miles on everyday spending, especially for those loyal to Cathay Pacific and Oneworld alliance. The sign-up bonus and potential for elite status benefits or lounge access are also highly valued.
Top Negative:
Common complaints include the annual fee, limited redemption options outside of Cathay Pacific and Oneworld, and the perceived value of Asia Miles compared to other airline programs. Some users also report general frustrations with Synchrony's customer service.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture X Rewards Credit Card
- United Explorer Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $325.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0