5
Benefits3
Reward Categories6x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Travel | 6x | Points | Purchases made directly through CheapOair. | No Cap | |
| Dining | 2x | Points | Purchases at restaurants and other dining establishments. | No Cap | |
| All Other Purchases | 1x | Points | All 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.com purchases
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
Redemption Penalties: Minimum redemption of 2,500 points ($25 value). Points can only be redeemed for travel purchases made through Cheapoair.com.
Benefits & Protections (Detailed) 5 Total
PENDINGFinancial 1
No Annual Fee
No annual feeThere is no annual fee for card membership.
Rewards 4
Accelerated Rewards on CheapOair Purchases
6X points per $1Earn 6 points per $1 spent on eligible purchases made through CheapOair.com, including flights, hotels, car rentals, and vacation packages.
Accelerated Rewards on Dining Purchases
2X points per $1Earn 2 points per $1 spent on eligible dining purchases at restaurants.
Standard Rewards on All Other Purchases
1X point per $1Earn 1 point per $1 spent on all other eligible purchases where Visa is accepted.
Welcome Bonus Points
10,000 bonus pointsEarn 10,000 bonus points 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
PENDING$100
Cash BackRequirement: Spend $500 in 90 days
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: 21.24% - 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Promo Financing: Special Financing
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requires US residency, 18 years or older, a good to excellent credit score (typically FICO 670+), and stable income. Welcome bonus typically requires spending a specified amount (e.g., $500) within the first 90 days of account opening to earn a statement credit or bonus points. Rewards are primarily redeemable for travel bookings exclusively through Cheapoair.com, subject to their specific redemption rules and any store-specific restrictions on earning and redemption.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony Bank manages overall credit exposure per customer. While there isn't a strict 'X/24' rule like some issuers, accumulating a high number of Synchrony accounts or a very high total credit limit across all Synchrony products can lead to denials for new applications or credit limit reductions/account closures on existing cards. They assess risk based on total exposure rather than a fixed card count.
Special Events: Cardholders may receive exclusive discounts, bonus earning opportunities, or special financing offers on specific travel packages, flights, hotels, or car rentals booked through Cheapoair.com during promotional periods, often tied to Cheapoair's internal marketing calendar.
Holiday Promos: Expect enhanced reward rates or special discounts on Cheapoair bookings during major travel holidays (e.g., Black Friday/Cyber Monday, New Year's, Summer travel season) or specific seasonal promotions offered by Cheapoair and Synchrony.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
No annual fee, decent rewards on Cheapoair and dining, flexible redemption options including cash back.
Top Negative:
Points value can vary, potentially lower rewards on general spending, limited high-value redemption outside of Cheapoair.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred
- Capital One VentureOne Rewards Credit Card
- Bank of America Travel Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $190.00
Approval Probability: 70.0%
Version Control
PENDINGVersion ID: v1.0