Synchrony Premier World Mastercard

Synchrony Mastercard World Mastercard Pending

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Basic Information
PENDING

Program ID: onepay-cashrewards-card

Issuer: Synchrony

Card Name: Synchrony Premier World Mastercard

Card Type: Credit

Network: Mastercard

Card Tier: World Mastercard

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:08

Last Scraped: Feb 15, 2026 16:29

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers SCRA benefits, including an interest rate reduction to 6% on balances incurred prior to active duty for eligible servicemembers.

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed)
No Card Benefits Available

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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 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 & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Not specified
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The 'onepay-cashrewards-card' offers a sign-up bonus of $200 cash back after spending $1,500 in the first 6 months of account opening. The standard cash back structure includes 3% cash back on eligible online purchases, 2% on gas and groceries, and 1% on all other purchases. Eligibility requirements include being 18 years or older, having a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), being a U.S. resident, possessing a good to excellent credit history (typically FICO score 670+), and demonstrating sufficient verifiable income. Applicants should have no recent bankruptcies or severe delinquencies. Synchrony may also consider recent application history and total credit exposure across its products. Bonus categories may be subject to specific merchant category codes (MCCs) or retailer partnerships, with certain exclusions or limitations detailed in the cardholder agreement.

Max Cards Per Issuer: 4

Min Spend Interval: 6 months

Shutdown Risk Triggers: Manufactured spending, rapid accumulation of credit limits across Synchrony products, abuse of return policies or bonus categories, suspicious spending patterns inconsistent with declared income, failure to make timely payments, significant changes in credit profile (e.g., new bankruptcies, high utilization on other cards), excessive credit seeking (numerous applications for Synchrony or other issuer cards in a short period), or violation of cardholder agreement terms.

Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' rules that prevent earning bonuses across different product lines. However, sign-up bonuses are generally 'once per lifetime' per specific card product. Applying for multiple Synchrony cards within a short timeframe (e.g., 6-12 months) may lead to denials due to credit exposure limits or application velocity rules, even if the products are distinct.

Special Events: As a Synchrony product, the 'onepay-cashrewards-card' may occasionally participate in special promotional events or bonus offers tied to Synchrony's retail partners, particularly during peak shopping seasons or specific merchant campaigns. These events would be communicated directly to cardholders.

Holiday Promos: Expect enhanced cash back offers or special financing promotions during major U.S. holiday shopping periods, including but not limited to Black Friday, Cyber Monday, Christmas, and other seasonal events.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Simple cash back rewards structure, easy to manage online, good for everyday spending.

Top Negative:
Customer service can be inconsistent, high APR for balances carried, credit limit increases are slow.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash Card
  • Capital One Quicksilver Cash Rewards Credit Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $225.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: May 15, 2024 00:00