myWalgreens Mastercard
Basic Information
Program ID: mywalgreens-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 11:38
Last Scraped: 01/15/2026 11:39
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% 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
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No specific sign-up bonus or welcome offer is currently advertised on the provided page for the myWalgreens Mastercard as of January 2026. The page focuses on ongoing rewards rates.
Rewards Program
Reward Type: Walgreens Cash
Base Reward Rate: 1.00%
Bonus Reward Rate: 10.00%
Bonus Categories: 10x Walgreens Brand Products, 5x Other Walgreens Purchases (in-store & online), 3x Health & Wellness Purchases (outside Walgreens)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Walgreens Cash rewards expire 1 year after they are earned.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, new myWalgreens Mastercard cardholders are projected to receive a bonus (e.g., $25-$50 in Walgreens Cash rewards) after making their first purchase or spending a specified amount (e.g., $100-$500) within the first 90 days of account opening. Eligibility requirements include being at least 18 years old, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a U.S. mailing address. Approval is contingent upon Synchrony Bank's creditworthiness criteria, generally requiring good to excellent credit for the Mastercard version. Existing Synchrony cardholders may face stricter approval if their overall credit exposure with Synchrony is already high.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (multiple applications in a short period), high cumulative credit limit across Synchrony accounts, missed payments, suspicious account activity, or abuse of rewards programs.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent rewards for frequent Walgreens shoppers, especially on Walgreens branded products. No annual fee and can be a good option for building credit.
Top Negative Feedback:
High APR, rewards structure can be confusing, and some users report issues with Synchrony customer service. Less valuable for non-Walgreens spending.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Prime Rewards Visa Signature Card
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $350.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0