Program ID: everise-credit-card

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:44

Last Scraped: Feb 16, 2026 18:46

Reward Type: Cash Back

Base Rate: 0.01x

Bonus Rate: 5x

Categories: Everise purchases

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as your account remains open and in good standing. If your account is closed or becomes delinquent, any unredeemed points will be forfeited.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption amount is 500 points ($5.00).

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

Standard APR

Intro APR Offers

Rules: Eligibility requirements for the Everise Credit Card include being at least 18 years of age (19 in Alabama and Nebraska), a valid U.S. Social Security Number or ITIN, and a U.S. residential address. Applicants are generally expected to have a fair to good credit history, with recent bankruptcies or excessive delinquencies typically leading to denial. Synchrony also considers the applicant's existing credit relationships with Synchrony and overall credit exposure. For 2026, new cardholders receive a 15% discount on their first Everise purchase made within 30 days of account opening, up to a maximum discount of $100. Additionally, earn a $25 statement credit after spending $250 at Everise within the first 90 days.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Cliff Effect Rules: Synchrony does not typically have 'card family' rules like some major issuers. However, a significant 'cliff effect' exists regarding overall credit exposure. If an individual accumulates too many Synchrony-issued credit products or reaches a high combined credit limit across all their Synchrony accounts, new applications will likely be denied, and existing credit limits may be reduced or accounts closed, regardless of individual card performance.

Special Events: Exclusive cardholder discounts (e.g., an extra 5-10% off on specific days), early access to sales events, special financing offers (e.g., 0% APR for 6-24 months on qualifying Everise purchases), and birthday rewards.

Holiday Promos: Black Friday/Cyber Monday week, Christmas/New Year's season (mid-November to early January), Mother's Day/Father's Day, Back-to-School season (July-August), and seasonal clearance events (e.g., Spring, Summer, Fall sales).

International Friendly: No

User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Accessible credit for fair-to-good credit, promotional financing offers, and digital account management.

Top Negative:
High APR after promotional period, limited rewards outside specific brand, customer service issues, and restrictive credit limits.

Approval Experience: 70.0 / 100

Recommended Alternatives

• Synchrony Premier World Mastercard
• PayPal Cashback Mastercard
• Amazon Store Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $180.00

Approval Probability: 70.0%

Version ID: v1.0