Synchrony Premier World Mastercard

Synchrony Mastercard World Mastercard Pending

Back Apply Now

4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: mccoys-consumer-credit-card

Issuer: Synchrony

Card Name: Synchrony Premier World Mastercard

Card Type: Credit

Network: Mastercard

Card Tier: World Mastercard

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 06:07

Last Scraped: Feb 17, 2026 06:08

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers SCRA benefits, including a 6% APR cap on pre-service balances for eligible servicemembers.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The McCoy's Consumer Credit Card does not charge an annual fee.

Shopping 3
6 Months Special Financing
6 months on purchases of $299+

Receive 6 months of special financing on purchases of $299 or more made with the McCoy's Consumer Credit Card.

12 Months Special Financing
12 months on purchases of $999+

Receive 12 months of special financing on purchases of $999 or more made with the McCoy's Consumer Credit Card.

24 Months Special Financing
24 months on purchases of $1,999+

Receive 24 months of special financing on purchases of $1,999 or more made with the McCoy's Consumer Credit 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
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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 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 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Application Rules: Applicants must be at least 18 years of age, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria (typically fair to good credit is preferred). Applicants with recent defaults or bankruptcies on Synchrony accounts may be ineligible. Bonus Rule: New cardholders receive a 15% discount on their first McCoy's purchase made within 30 days of account opening, up to a maximum discount of $100. This offer is subject to store-specific restrictions and cannot be combined with certain other promotions.

Max Cards Per Issuer: 6

Min Spend Interval: 30 days

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit line increase requests, high utilization rates across multiple Synchrony cards, defaulting on any Synchrony-issued account, unusual spending patterns inconsistent with typical store card usage, or bankruptcy filings.

Cliff Effect Rules: Synchrony enforces an internal aggregate credit limit across all credit products issued to a single consumer. Reaching this total credit exposure limit can prevent approval for new McCoy's cards or additional credit line increases, regardless of individual card limits or payment history.

Special Events: McCoy's Member Appreciation Days (quarterly bonus points/discounts), Seasonal Home Improvement Sales (e.g., Spring Garden Event, Fall Renovation Sale), Exclusive New Product Launch Promotions.

Holiday Promos: Black Friday/Cyber Monday (November-December), Spring Home & Garden Event (March-April), Back-to-School Savings (July-August), Memorial Day/Labor Day Sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy to apply and get approved, offers special financing for large purchases, useful for frequent McCoy's shoppers.

Top Negative:
High standard APR, limited use outside McCoy's, customer service can be challenging, potential for deferred interest if financing terms are not met.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Home Depot Consumer Credit Card
  • Capital One QuicksilverOne

Card Value Score: 65.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023-03