5
Benefits4
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| CheapOair Purchases | 5x | Points | Earn 5 points for every $1 spent on eligible CheapOair purchases made directly through CheapOair.com or the CheapOair app. | No Cap | |
| Dining | 2x | Points | Earn 2 points for every $1 spent on eligible dining purchases at restaurants, cafes, bars, and other dining establishments. | No Cap | |
| Travel | 2x | Points | Earn 2 points for every $1 spent on eligible travel purchases, including airlines, hotels, car rentals, and cruises. | No Cap | |
| All Other Purchases | 1x | Points | Earn 1 point for every $1 spent on all other eligible purchases not falling into other bonus categories. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x on CheapOair purchases, 2x on dining
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 5 Total
PENDINGFinancial 1
No Annual Fee
No annual feeThere is no annual fee for this credit card.
Rewards 3
5X Points on CheapOair Purchases
5 points per $1Earn 5 points for every $1 spent on eligible purchases made at CheapOair.com.
2X Points on Dining Purchases
2 points per $1Earn 2 points for every $1 spent on eligible dining purchases.
1X Point on All Other Purchases
1 point per $1Earn 1 point for every $1 spent on all other eligible purchases.
Welcome Offer 1
Welcome Bonus: $50 Statement Credit
$50 statement creditReceive a $50 statement credit after spending $500 on purchases within the first 90 days of account opening.
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 |
| Authorized User 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: 21.24% - 31.24%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Applicants must be 18+ years old, a U.S. resident with a valid SSN/ITIN, and possess good to excellent credit (typically FICO 670+). Eligibility may be impacted by recent bankruptcies or severe delinquencies. The standard sign-up bonus is typically a one-time offer (e.g., $100 statement credit or equivalent points after spending $500 within the first 90 days). Earning and redemption of rewards are subject to CheapOair's specific terms and conditions, including restrictions on eligible purchases and redemption methods exclusively through the CheapOair platform.
Max Cards Per Issuer: 8
Min Spend Interval: 90 days
Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' or 'once per lifetime' bonus rules for its co-branded cards. However, approval for new cards or increased credit limits may be impacted by the total cumulative credit extended across all Synchrony accounts relative to the applicant's income and overall credit profile.
Special Events: Special promotions and bonus earning opportunities tied to specific travel booking periods, destinations, or partner airlines/hotels exclusively through the CheapOair platform. These may include limited-time elevated earning rates or redemption bonuses.
Holiday Promos: Peak travel season promotions (e.g., summer, winter holidays), Black Friday/Cyber Monday travel deals, and other seasonal sales events offering enhanced rewards or discounts on CheapOair bookings.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Generous rewards on CheapOair purchases, a solid sign-up bonus for new cardholders, and no annual fee make it attractive for frequent travelers using the platform.
Top Negative:
Potential for high APR, limited flexibility in point redemption compared to general travel cards, and standard customer service experience.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One VentureOne Rewards Credit Card
- Wells Fargo Autograph Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $277.50
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2024-04-01