Cheapoair Visa Signature Credit Card

Synchrony Visa Signature Pending

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18

Benefits

3

Reward Categories

6x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: cheapoair-visa-signature-card

Issuer: Synchrony

Card Name: Cheapoair Visa Signature Credit Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:47

Last Scraped: Feb 16, 2026 17:50

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible servicemembers may qualify for an interest rate reduction to 0% APR on balances incurred prior to active duty start date.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Travel 6x Points Net Purchases made on CheapOair.com No Cap
Dining 2x Points Net Purchases made at merchants classified as restaurants No Cap
All Other Purchases 1x Points Net Purchases made everywhere else Visa is accepted No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x on Cheapoair.com purchases, 2x on dining purchases

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as your account is open and in good standing. If your account is closed for any reason, or if it becomes delinquent, you will forfeit any unredeemed points.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Redemptions for cash back or gift cards may have a lower value per point. A minimum redemption threshold of 2,500 points applies for most redemptions.

Benefits & Protections (Detailed) 18 Total
PENDING
Dining 1
Dining Rewards
2 points per $1 spent

Earn bonus points on eligible dining purchases.

Lifestyle 3
Welcome Bonus Points
10,000 bonus points after spending $1,000 in the first 90 days

Earn bonus points after spending a certain amount within the first few months of account opening.

Roadside Dispatch
Service fees apply per incident

Provides pay-per-use roadside assistance services like towing, tire changing, jump starting, lockout service, and fuel delivery. Cardholders are responsible for service fees.

Visa Signature Concierge Service
24/7 service

Provides 24/7 personalized assistance for travel planning, dining reservations, event tickets, and more.

Purchase Protection 2
Purchase Protection
Up to $500 per claim, $50,000 per account per year

Covers eligible new purchases against theft or damage for 90 days from the date of purchase.

Extended Warranty Protection
Up to $10,000 per claim

Extends the manufacturer's original warranty for eligible items purchased with the card by up to one additional year on eligible warranties of three years or less.

Security 1
Zero Liability Fraud Protection
0% liability for unauthorized transactions

Protects cardholders from unauthorized purchases made with their card or account information.

Shopping 2
Cheapoair Purchase Rewards
5 points per $1 spent

Earn a higher rate of points on eligible purchases made through Cheapoair.com.

Everyday Purchase Rewards
1 point per $1 spent

Earn points on all other eligible purchases.

Travel 3
Travel Rewards Redemption
Points redeemable at 1 cent per point

Redeem earned points for travel purchases, including flights, hotels, and car rentals, through Cheapoair.

No Foreign Transaction Fees
0% foreign transaction fee

Avoid additional fees on purchases made outside the United States.

Visa Signature Luxury Hotel Collection
Various benefits at participating hotels

Access to a curated collection of hotels worldwide with premium benefits like best available rate guarantee, automatic room upgrade (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).

Travel Insurance 6
Trip Cancellation/Interruption Insurance
Up to $1,500 per person, $5,000 per trip

Reimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons when the entire fare is charged to the card.

Travel Accident Insurance
Up to $250,000

Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with the card.

Baggage Delay Insurance
Up to $100 per day for 3 days

Reimburses for the emergency purchase of essential items when checked luggage is delayed for more than 6 hours by a common carrier.

Lost Luggage Reimbursement
Up to $3,000 per trip

Reimburses for the replacement of lost or stolen checked or carry-on baggage and its contents when traveling on a common carrier.

Auto Rental Collision Damage Waiver
Up to the actual cash value of most rental vehicles

Provides secondary coverage for damage due to collision or theft for most rental cars when the card is used to pay for the rental and the rental company's CDW is declined.

Travel and Emergency Assistance Services
Referral service, cost of services extra

Connects cardholders with appropriate local emergency resources while traveling, including medical and legal referrals. Cardholders are responsible for the cost of third-party services.

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
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 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
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Applicants must be 18 years or older (19 in AL/NE), a US resident with a valid SSN or ITIN. Approval requires good to excellent credit (typically FICO 670+), a stable income, and a low debt-to-income ratio. Synchrony is sensitive to recent credit inquiries and new accounts. Existing Synchrony cardholders may face stricter approval criteria if they already hold multiple high-limit accounts. Bonus Rule: Earn 25,000 bonus points after spending $1,500 on purchases within the first 3 months of account opening. Points are redeemable for Cheapoair travel or statement credits. Store-specific restrictions apply primarily to how bonus points are earned and redeemed within the Cheapoair ecosystem, and may include limitations on specific travel products or booking channels.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across Synchrony accounts, high credit utilization on Synchrony cards, frequent balance transfers to other Synchrony products, multiple recent applications for Synchrony cards, late payments on any Synchrony product, or suspected abuse of promotional offers or reward redemptions.

Cliff Effect Rules: Synchrony does not typically enforce 'card family' or 'cliff effect' rules similar to major issuers. Each card product is generally evaluated independently for eligibility and rewards, meaning holding one Synchrony card does not usually preclude eligibility for another, nor does it significantly alter the benefits of other cards within their portfolio. However, overall creditworthiness and total credit exposure with Synchrony will influence approval for additional cards.

Special Events: As a co-branded travel card, special events are tied to Cheapoair promotions. Expect enhanced earning opportunities or redemption bonuses during specific Cheapoair sales events, flash deals, or exclusive cardholder-only travel packages. These are typically announced directly by Cheapoair or Synchrony.

Holiday Promos: Anticipate special travel deals and potentially increased reward earning rates during major travel booking holidays (e.g., Black Friday/Cyber Monday for travel, New Year's travel sales, summer vacation booking periods, spring break promotions). These are driven by Cheapoair's marketing calendar.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent rewards on CheapOair purchases, good sign-up bonus, useful for frequent travelers who book through CheapOair.

Top Negative:
High APR, rewards are primarily tied to CheapOair, limited value for non-CheapOair spending, potential for customer service issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Sapphire Preferred Card
  • Capital One VentureOne Rewards Credit Card
  • Bank of America Travel Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $145.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Mar 01, 2024 00:00