20
Benefits3
Reward Categories6x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: cheapoair-credit-card
Issuer: Synchrony
Card Name: CheapOair Credit Card
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony offers benefits under the Servicemembers Civil Relief Act (SCRA) to eligible active duty servicemembers, including an interest rate reduction to 6% APR on balances incurred prior to active duty.
Rewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| CheapOair Purchases | 6x | Points | Purchases made directly from CheapOair. | No Cap | |
| Dining | 2x | Points | Purchases at merchants classified as restaurants. | No Cap | |
| All Other Purchases | 1x | Points | All eligible purchases not falling into other bonus categories. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 20 Total
PENDINGFinancial 2
No Annual Fee
$0 annual feeThe credit card does not charge an annual fee.
No Foreign Transaction Fees
0% foreign transaction feeNo fees are charged on purchases made outside of the United States.
Lifestyle 1
Concierge Service
Service-basedProvides 24/7 personalized assistance for travel planning, dining reservations, event tickets, and more.
Purchase Protection 3
Extended Warranty
Up to 1 additional year, up to $1,000 per claim, $5,000 per cardholder per 12-month periodDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases.
Price Protection
Up to $250 per claimIf you find a lower price for an eligible item within 60 days of purchase, you can be reimbursed for the price difference.
Satisfaction Guarantee
Up to $250 per claimIf you are dissatisfied with an eligible item purchased with your card within 60 days of purchase, you can be reimbursed for the cost of the item.
Rewards 3
Rewards Program - CheapOair Purchases
6X points per $1Earn 6 points per $1 spent on eligible purchases made at CheapOair.com.
Rewards Program - Dining Purchases
2X points per $1Earn 2 points per $1 spent on eligible dining purchases.
Rewards Program - All Other Purchases
1X point per $1Earn 1 point per $1 spent on all other eligible purchases.
Security 4
Mastercard ID Theft Protection™
Service-basedProvides services to help detect and resolve identity theft, including monitoring, alerts, and resolution services.
Mastercard Global Service™
Service-basedProvides emergency assistance services 24 hours a day, 7 days a week, anywhere in the world. Includes lost/stolen card reporting, emergency card replacement, and emergency cash advance.
Zero Liability Protection
Protection against financial lossProtects you from unauthorized purchases made with your card. You won't be held responsible for unauthorized transactions.
Cell Phone Protection
Up to $600 per claim, two claims per 12-month periodProvides coverage for damage to or theft of your eligible cell phone when you pay your monthly cell phone bill with your card. A $50 deductible applies.
Travel 1
Roadside Assistance
Service-based (fees apply)Provides 24-hour roadside assistance services like towing, jump-starting, tire changing, fuel delivery, and lockout service. Service fees apply.
Travel Insurance 5
Trip Cancellation/Interruption Insurance
Up to $1,500 per covered person per tripReimburses you for non-refundable passenger fares if your trip is canceled or interrupted for covered reasons.
Baggage Delay Insurance
Up to $100 per day for up to three days (maximum $300)Reimburses you for essential purchases like toiletries and clothing when your baggage is delayed by a common carrier for more than four hours.
Lost Luggage Insurance
Up to $3,000 per covered person per tripReimburses you for the actual cost of replacing your lost or stolen checked or carry-on luggage and its contents.
Travel Accident Insurance
Up to $250,000Provides coverage for accidental death or dismemberment while traveling on a common carrier when you pay for the entire fare with your card.
Car Rental Collision Damage Waiver
Secondary coverageProvides coverage for physical damage and theft of most rental vehicles when you rent with your card and decline the rental company's collision damage waiver.
Welcome Bonus 1
Welcome Offer - First Booking Discount
$50 discountGet $50 off your first booking of $500 or more made with CheapOair.com.
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
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
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 |
| 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: 29.99% - 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 6 months
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, eligibility for the Cheapoair Credit Card from Synchrony requires applicants to be 18+ years old (19+ in AL/NE), a US resident with a valid SSN or ITIN, and possess good to excellent credit history. Approval is subject to Synchrony's internal credit underwriting standards, which include evaluation of existing Synchrony accounts and overall credit exposure. Store-specific restrictions apply, meaning eligibility might be tied to prior Cheapoair engagement or specific promotional offers. New cardholders can earn 15,000 bonus points (equivalent to $150 in Cheapoair rewards) after spending $1,000 on eligible purchases within the first 3 months of account opening. Points are redeemable exclusively through Cheapoair for flights, hotels, and car rentals.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not have explicit 'family' rules like some major issuers. However, approval for new cards and credit limit increases are heavily influenced by the total credit exposure across all existing Synchrony accounts. Opening too many accounts in a short period or having a very high cumulative credit limit may lead to denials or reduced credit limits on new applications, or even account review/closure if risk thresholds are exceeded.
Special Events: Seasonal travel promotions (e.g., summer travel deals, holiday booking discounts), exclusive member-only sales on flights/hotels, and bonus point offers during specific booking windows through Cheapoair.
Holiday Promos: Black Friday/Cyber Monday travel sales, New Year's travel resolutions promotions, Valentine's Day getaway deals, and summer vacation booking incentives.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Excellent rewards for frequent CheapOair users, good sign-up bonus, easy to manage travel bookings, no annual fee.
Top Negative:
High APR, limited redemption options outside of CheapOair, customer service can be slow, low credit limits for some users.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred
- Capital One VentureOne Rewards Credit Card
- Citi Double Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $200.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0