INFINITI Visa Signature® Card

Synchrony Visa Signature Pending

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16

Benefits

4

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: infiniti-visa-card

Issuer: Synchrony

Card Name: INFINITI Visa Signature® Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:32

Last Scraped: Feb 17, 2026 04:34

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of credit. The cost of credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent, including certain fees. Call 1-866-893-7864 for more information.

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
INFINITI Purchases 5x Points Purchases made at participating INFINITI Retailers. No Cap
Gas 2x Points Purchases made at gas stations. No Cap
Dining 2x Points Purchases made at restaurants. No Cap
All Other Purchases 1x Points All eligible purchases not falling into other bonus categories. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 16 Total
PENDING
Financial 3
No Annual Fee
$0

The card does not charge an annual fee.

No Foreign Transaction Fees
0%

No fees are charged on purchases made outside the United States.

Special Financing Offers
Varies

Access to special financing offers on INFINITI purchases. Specific terms and availability may vary.

Lifestyle 1
Visa Signature Concierge
24/7 assistance

24/7 complimentary personal assistance for travel planning, dinner reservations, event tickets, and more.

Purchase Protection 2
Extended Warranty Protection
Up to 1 additional year

Doubles the manufacturer's or store brand warranty for eligible items purchased with your card, up to one additional year, on warranties of three years or less.

Purchase Security
Up to $500 per claim, up to $50,000 per cardholder

Protects eligible purchases made with your card against theft or damage for the first 90 days from the date of purchase.

Rewards 3
Accelerated Rewards Earning (INFINITI & Gas)
5 points per $1

Earn 5 points for every $1 spent on purchases at INFINITI retailers and gas stations.

Standard Rewards Earning
1 point per $1

Earn 1 point for every $1 spent on all other eligible purchases.

Flexible Point Redemption
Varies by redemption option

Redeem earned points towards INFINITI purchases, service, accessories, or gift cards.

Security 1
Emergency Cash and Card Replacement
Emergency services

Provides emergency cash and/or a replacement card if your card is lost or stolen, typically within one to three business days.

Travel Assistance 2
Travel and Emergency Assistance Services
Referral services

Provides a variety of emergency services when you're traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services received.

Roadside Dispatch
Pay-per-use

A pay-per-use roadside assistance program. Call for services like towing, tire changing, jump starting, lockout service, fuel delivery, and winching.

Travel Benefits 1
Visa Signature Luxury Hotel Collection
Various hotel benefits

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

Travel Insurance 3
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 you pay for the rental with your eligible Visa Signature card and decline the rental company's collision damage waiver (CDW) or similar option.

Lost Luggage Reimbursement
Up to $3,000 per trip

Reimburses you for the replacement of your checked or carry-on luggage and its contents if lost or stolen by the carrier.

Travel Accident Insurance
Up to $500,000

Provides coverage for accidental death or dismemberment when you purchase your common carrier tickets with your eligible Visa Signature card.

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
PENDING

10,000

Points/Miles

Requirement: Spend $1,000 in 90 days

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 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: 21.24% - 31.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 6 months

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: New cardholders typically receive a one-time bonus (e.g., 20,000-50,000 points) after spending a specified amount (e.g., $1,500-$3,000) within the first 3-6 months of account opening. Points are redeemable for Infiniti purchases, service, or statement credits. Eligibility requires applicants to be at least 18 years old (19 in AL/NE, 21 in PR), a US resident with a valid SSN or ITIN, and possess a fair to good credit score (typically 670+ FICO). Approval is subject to Synchrony's credit underwriting standards, including income verification and existing credit obligations. Store-specific restrictions apply, meaning benefits and redemption options are primarily tied to authorized Infiniti dealerships and services.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, payment defaults, suspicious account activity, rapid application for multiple Synchrony cards, sudden uncharacteristic spending patterns, going over credit limit, balance churning, or non-compliance with terms and conditions.

Cliff Effect Rules: Synchrony typically treats each co-branded card as a distinct product. Bonus eligibility is generally per specific card product, not across a broader 'Synchrony family' of cards. However, approval for new Synchrony cards may be impacted by the total credit extended across all existing Synchrony accounts, potentially leading to denials or lower credit limits if overall exposure is deemed too high.

Special Events: Expect exclusive promotions and bonus earning opportunities tied to Infiniti vehicle launches, service specials, parts purchases, and dealership events. These may include enhanced point multipliers or special financing offers during specific periods.

Holiday Promos: Anticipate seasonal promotions during major shopping holidays (e.g., Black Friday, Cyber Monday, End-of-Year sales) and potentially during key automotive sales periods (e.g., President's Day, Memorial Day, Labor Day) offering increased rewards or special financing on Infiniti-related purchases.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Strong rewards for Infiniti purchases, no annual fee, and points are valuable for brand-specific redemptions like service or vehicle down payments.

Top Negative:
Limited redemption options exclusively tied to Infiniti, low rewards rate on non-Infiniti purchases, and potential concerns regarding Synchrony's customer service.

Approval Experience: 72.5 / 100

Recommended Alternatives
  • Chase Sapphire Preferred
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Card Value Score: 68.0 / 100

Est. Annual Rewards: $400.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0