CheapOair Credit Card
Basic Information
Program ID: cheapoair-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:14
Last Scraped: 01/15/2026 13:16
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-50.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% 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% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $15,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically credited to your account within 1-2 billing cycles after meeting the spending requirement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x CheapOair Purchases (Flights, Hotels, Car Rentals, Vacation Packages), 2x Dining, 2x Travel (non-CheapOair)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after they are earned, or if the account is closed/inactive.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
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: For 2026, the Cheapoair Credit Card from Synchrony is projected to offer new cardholders a bonus of 10,000 Cheapoair Rewards Points (equivalent to $100 towards travel) after spending $500 on eligible purchases within the first 3 months of account opening. Points are typically redeemable for flights, hotels, or car rentals booked through Cheapoair. Eligibility requirements for application are expected to include: being at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating good to excellent creditworthiness. Applicants must also show sufficient income to meet payment obligations. Approval may be influenced by existing Synchrony credit relationships and recent credit application velocity across all issuers.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony products, defaulting on other Synchrony accounts, rapid application for multiple Synchrony cards, suspicious spending patterns inconsistent with typical travel or retail behavior, excessive returns or chargebacks, non-payment, or significant changes in credit profile (e.g., bankruptcy, high utilization on other cards).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Good rewards on Cheapoair purchases, especially for frequent users of the platform. No annual fee is a plus.
Top Negative Feedback:
Customer service issues with Synchrony, rewards can be difficult to redeem or have limited value, high APR.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Capital One VentureOne Rewards Credit Card
- Chase Freedom Unlimited
- Discover it Miles
Card Value Score: 60.0 / 100
Est. Annual Rewards: $250.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General Travel / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 02/2024