15
Benefits3
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: giant-eagle-pay-rewards-visa-card
Issuer: Synchrony
Card Name: Giant Eagle Pay Rewards Visa® Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony complies with the Servicemembers Civil Relief Act (SCRA) and offers eligible Servicemembers benefits, including potential interest rate reductions on their accounts.
Rewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Giant Eagle & GetGo (Pay App) | 5x | Cash Back | Purchases at Giant Eagle and GetGo when paying with the Giant Eagle Pay App and the Giant Eagle Pay Rewards Visa Card. | No Cap | |
| Giant Eagle & GetGo (Card) | 2x | Cash Back | Purchases at Giant Eagle and GetGo when paying directly with the Giant Eagle Pay Rewards Visa Card (not via Pay App). | No Cap | |
| All Other Purchases | 1x | Cash Back | All eligible purchases outside of Giant Eagle and GetGo. | No Cap |
Rewards Summary
PENDINGReward Type: fuelperks+®
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x Giant Eagle and GetGo purchases
Quarterly Rotating: No
Expiration Policy: fuelperks+® rewards expire on the last day of the month following the month in which they were earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption of 50 fuelperks+ points. Fuel redemption limited to 20 gallons per fill-up. Grocery redemption has specific increment and maximum limits per transaction. Cannot be combined with other fuel discounts.
Benefits & Protections (Detailed) 15 Total
PENDINGPurchase Protection 2
Purchase Security
Protection against theft or damageProtects eligible new purchases against theft or damage for a specified period from the date of purchase when purchased with the card.
Extended Warranty Protection
Up to 1 additional yearExtends the manufacturer's original warranty on eligible items purchased with the card, typically for an additional year on warranties of three years or less.
Rewards 4
5% Giant Eagle Pay Rewards on Giant Eagle & Market District Purchases via Giant Eagle Pay
5% backCardholders earn 5% back in Giant Eagle Pay Rewards on eligible purchases made at Giant Eagle and Market District stores when using Giant Eagle Pay with their Giant Eagle Pay Rewards Visa Card.
2% Giant Eagle Pay Rewards on Gas & Dining
2% backCardholders earn 2% back in Giant Eagle Pay Rewards on eligible gas and dining purchases made with their Giant Eagle Pay Rewards Visa Card.
1% Giant Eagle Pay Rewards on All Other Purchases
1% backCardholders earn 1% back in Giant Eagle Pay Rewards on all other eligible purchases made with their Giant Eagle Pay Rewards Visa Card.
Rewards Redemption for Groceries & Gas
Savings on groceries and gasAccumulated Giant Eagle Pay Rewards can be redeemed for savings on eligible grocery and gas purchases at Giant Eagle and Market District locations.
Security 5
Zero Fraud Liability
Full protectionProtects cardholders from unauthorized purchases made with their card or account information. Cardholders are not held responsible for fraudulent charges.
ID Navigator Powered by NortonLifeLock
Identity theft protectionProvides tools to help protect against identity theft, including Dark Web Monitoring, Stolen Wallet Assist, and Restoration Assist. Enrollment required.
Lost/Stolen Card Reporting
Assistance serviceAssistance with reporting a lost or stolen card to prevent unauthorized use and help with getting a replacement card.
Emergency Card Replacement
Expedited replacementProvides expedited replacement of a lost or stolen card, typically within 1-3 business days, to ensure continued access to funds.
Emergency Cash Disbursement
Emergency cash accessProvides emergency cash to cardholders who have lost their card, typically available within hours of approval.
Travel Assistance 2
Roadside Dispatch
Pay-per-use serviceA pay-per-use roadside assistance program available 24/7. Services include towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Cardholders pay a pre-negotiated flat rate per service call.
Travel and Emergency Assistance Services
Referral serviceProvides a referral service for medical, legal, and travel-related emergencies while traveling. Cardholders are responsible for the cost of any services received.
Travel Insurance 2
Travel Accident Insurance
Accidental death and dismemberment coverageProvides coverage for accidental death or dismemberment while traveling on a common carrier when the fare is purchased with the card.
Auto Rental Collision Damage Waiver
Secondary coverageProvides secondary coverage for damage due to collision or theft of most rental vehicles when the eligible rental is paid for entirely with the card and the cardholder declines the rental company's collision damage waiver.
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 |
| Penalty APR: | 31.24% |
| Min Interest Charge: | $0.00 |
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%
Balance Transfer APR: 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requires US residency, 18+ (19+ in AL/NE), and a valid SSN/ITIN, with good to excellent credit generally preferred for approval. The card typically offers a sign-up bonus (e.g., $100 statement credit after initial spend within 90 days) and tiered ongoing rewards, such as 5% back on Giant Eagle and GetGo purchases (up to an annual cap), 2% on dining/gas (non-GetGo), and 1% everywhere else, often integrated with Fuel Perks. Rewards are primarily redeemable for Giant Eagle-related benefits. Application is a standard online process, with potential for instant decisions. Store-specific restrictions mean rewards are optimized and maximized within the Giant Eagle, Market District, and GetGo ecosystem.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not have strict 'cliff effect' rules like other major issuers (e.g., Chase 5/24 or Amex 'once per lifetime'). However, they manage total credit exposure per customer. Excessive applications or high cumulative credit limits across Synchrony accounts can lead to denials or lower credit limits on new applications.
Special Events: Seasonal promotions (e.g., summer grilling, back-to-school, holiday meal prep), specific Fuel Perks multipliers on certain days or product categories, bonus rewards for specific in-store events or partner promotions.
Holiday Promos: Major US holidays (e.g., Thanksgiving, Christmas, New Year's, Easter, Memorial Day, July 4th, Labor Day) often feature enhanced Fuel Perks or bonus reward categories for grocery and gas purchases.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Users appreciate the strong rewards on Giant Eagle and GetGo purchases, making it valuable for frequent shoppers. It's also noted as being relatively easy to get approved for, which can be beneficial for credit building.
Top Negative:
Common complaints include high interest rates, particularly for those who carry a balance. Some users report issues with Synchrony Bank's customer service and the cap on the 5% rewards category.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Blue Cash Everyday Card from American Express
- Capital One SavorOne Cash Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $384.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: GEPRVCA 01/24