Mitsubishi Diamond Advantage Mastercard®

Synchrony Mastercard Pending

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1

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: mitsubishi-diamond-advantage-mastercard-v2

Issuer: Synchrony

Card Name: Mitsubishi Diamond Advantage Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 06:19

Last Scraped: Feb 17, 2026 06:21

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Mitsubishi Purchases 3x Cash Back Eligible Mitsubishi purchases No Cap
Gas 2x Cash Back Eligible gas purchases No Cap
Dining 2x Cash Back Eligible dining purchases No Cap
All Other Purchases 1x Cash Back All other eligible purchases No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 1 Total
PENDING
Rewards 1
Earn Rewards on Purchases
Rewards points on eligible purchases

Cardholders earn rewards on eligible purchases made with the Mitsubishi Diamond Advantage Mastercard.

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
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
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
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

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

Rules: Eligibility for the Mitsubishi Diamond Advantage Mastercard requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is contingent upon creditworthiness, including a review of credit history and income. As a store-branded card, specific bonus rules are less common for sign-up and are typically replaced by ongoing rewards (e.g., a percentage back on Mitsubishi purchases and a lower percentage on general purchases) or special promotional financing offers (e.g., 0% APR for a set period on qualifying Mitsubishi purchases). All offers and rewards are subject to change and specific store-level restrictions apply.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit utilization across Synchrony accounts, high cumulative credit limit with Synchrony, unusual spending patterns inconsistent with typical consumer behavior, defaulting on any Synchrony account, multiple recent applications for Synchrony cards, or frequent balance transfers that indicate credit seeking without repayment.

Cliff Effect Rules: Synchrony does not have explicit 'card family' rules that restrict eligibility based on holding other specific cards within a family. However, approvals and credit limit increases are subject to an overall assessment of the cardholder's total credit exposure and risk profile across all Synchrony-issued accounts. Accumulating too many Synchrony cards (generally exceeding 3-5 active credit lines) or a very high total credit limit with the issuer can lead to increased scrutiny, denials for new applications, or reduced credit limits on existing accounts, as Synchrony manages its aggregate risk.

Special Events: Periodic special financing offers (e.g., 0% APR for extended periods on specific Mitsubishi purchases), exclusive discounts for cardholders during sales events, and bonus reward points promotions tied to Mitsubishi service or parts.

Holiday Promos: Common retail holiday periods such as Black Friday, Cyber Monday, End-of-Year Sales, and seasonal promotions (e.g., Spring/Summer service specials) where enhanced financing or reward offers may be available.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Excellent rewards for loyal Mitsubishi owners, especially for service, parts, and accessories. No annual fee is a significant benefit. Good bonus categories for gas and dining.

Top Negative:
Redemption options are primarily limited to Mitsubishi purchases, making it less flexible for general use. Rewards rate for non-bonus categories is standard. Customer service experience can be inconsistent.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • GM Rewards Card
  • Chase Freedom Unlimited
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $277.50

Approval Probability: 75.0%

Version Control
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