Cathay Pacific Visa Signature® Card

Synchrony Visa Signature Pending

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Benefits

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Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: cathay-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

Created: Feb 05, 2026 13:14

Last Scraped: Feb 05, 2026 13:14

Apply URL: Visit

SCRA Benefits (Military Members)

Eligible active duty Servicemembers may be entitled to certain benefits under the Servicemembers Civil Relief Act (SCRA). For more information, please contact Synchrony at 1-800-333-0212.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Miles

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x Cathay Pacific purchases, 1.5x Dining and In-flight purchases

Quarterly Rotating: No

Expiration Policy: Miles do not expire as long as your Cathay account remains active.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Change or cancellation fees may apply for award tickets redeemed through Asia Miles.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended 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
PENDING

25,000

Points/Miles

Requirement: Spend $1,000 in 90 days

Timing: Bonus miles will be awarded to your Cathay Pacific Asia Miles account 8-12 weeks after you meet the spending requirement.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be 18 years or older, a U.S. resident with a valid SSN or ITIN, and possess good to excellent credit. Synchrony may decline applications if the applicant has opened too many accounts recently with Synchrony or other issuers, or if their existing credit exposure with Synchrony is deemed too high. Bonus Offer (Hypothetical for 2026): Earn 50,000 Asia Miles after spending $3,000 on purchases within the first 3 months of account opening. This bonus is typically available only once per lifetime for this specific card product. Annual Fee: $99. Foreign Transaction Fees: None.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS) activities, especially those that don't align with typical consumer behavior; high cumulative credit limit across all Synchrony accounts relative to income; frequent balance transfers or cash advances without clear repayment; abuse of promotional offers or rewards programs; repeatedly opening and closing accounts solely for sign-up bonuses (churning); suspicious activity flagged by fraud detection systems; failure to make timely payments on any Synchrony account.

Cliff Effect Rules: Bonus Eligibility: The sign-up bonus is generally a 'once per lifetime' rule for this specific card product. Re-applying after closing the card may not yield a second bonus. Product Change Restrictions: Product changes to or from this card may be limited, especially if it impacts bonus eligibility or specific card features. Synchrony Portfolio Limit: While not a strict 'cliff' like 5/24, Synchrony assesses overall credit exposure. Approvals for new cards may become harder if the applicant already holds a significant number of Synchrony cards or a very high total credit limit with them.

Special Events: Partner-specific travel promotions with Cathay Pacific or Oneworld alliance members, especially during peak travel seasons or for specific routes.

Holiday Promos: Seasonal travel promotions tied to major holidays (e.g., Lunar New Year, summer travel, year-end holidays) offering bonus miles or discounts on Cathay Pacific flights or related travel services.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent for earning Asia Miles, especially for frequent Cathay Pacific flyers. Good sign-up bonus and travel perks like lounge access.

Top Negative:
Annual fee can be high for infrequent travelers. Synchrony customer service can be challenging. Rewards are very specific to Cathay Pacific.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Chase Sapphire Preferred Card
  • American Express Gold Card
  • United Explorer Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $550.00

Approval Probability: 75.0%

Version Control
PENDING