Synchrony Pending

Back Apply Now

6

Benefits

0

Reward Categories

—

Max Reward

—

APR From
Basic Information
PENDING

Program ID: onepay-mastercard

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 06:59

Last Scraped: Feb 17, 2026 07:00

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) 6 Total
PENDING
Accessibility 1
Worldwide Acceptance
Millions of locations

The OnePay Credit Card is accepted at millions of locations worldwide where Mastercard is accepted, providing broad utility for purchases.

Account Management 2
Online Account Management
Convenient online access

Manage your OnePay Credit Card account online, including viewing statements, making payments, and updating personal information.

Account Alerts
Customizable alerts

Receive customizable alerts regarding account activity, payment due dates, and other important information.

Cost Savings 1
No Annual Fee
$0

The OnePay Credit Card does not charge an annual fee for card membership.

Financial Management 1
Free FICO® Score Access
Free

Cardmembers can access their FICO® Score for free, helping them monitor their credit health.

Security 1
Fraud Protection
Protection against unauthorized use

Protection against unauthorized purchases and fraud on your OnePay 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
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
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: For 2026, the onepay-mastercard from Synchrony is projected to have the following application and bonus rules: **Application Eligibility:** * **Credit Score:** Typically requires a FICO score of 670+ (Good to Excellent credit) for general-purpose Mastercard approval. Store-specific versions might accept scores as low as 640. * **Credit History:** No recent bankruptcies (within 2-3 years) or severe delinquencies. * **Income:** Must demonstrate sufficient verifiable income to support new credit. * **Age/Residency:** Must be 18+ years old and a U.S. resident. * **Synchrony Account Limits:** Synchrony is sensitive to overall credit exposure. While not a strict 'X/Y' rule, applying for more than 1-2 new Synchrony accounts within a 6-month period, especially general-purpose cards, may lead to denials or lower initial credit limits. Store-specific restrictions or benefits may apply depending on the 'onepay' merchant partnership. **Bonus Rule (Projected):** * New cardholders may receive a $100 statement credit after spending $500 on eligible purchases within the first 3 months of account opening. Alternatively, a common offer could be a 10-15% discount on the first purchase up to a maximum value, especially if tied to a specific merchant.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment cycling), high cumulative credit limit across all Synchrony accounts relative to income, rapid accumulation of new Synchrony accounts, defaulting on other Synchrony accounts, suspicious or fraudulent activity, excessive credit seeking (numerous applications in a short period), inconsistent spending patterns (e.g., sudden large purchases followed by inactivity), repeatedly going over credit limit, or extended periods of inactivity (dormancy).

Cliff Effect Rules: Synchrony does not enforce strict 'card family' rules like Chase's 5/24. However, they are highly sensitive to overall credit exposure across all Synchrony-issued products. Applying for multiple Synchrony cards (e.g., 3+ in 6 months) can lead to denials or significantly lower credit limits on subsequent applications. Approval for a Synchrony store-branded card does not guarantee approval for a general-purpose Mastercard, and vice-versa, as underwriting criteria differ. High existing credit limits with Synchrony can impact new approvals.

Special Events: As a 'onepay-mastercard,' if it's tied to a specific merchant or network, expect special promotional financing offers (e.g., 0% APR for X months on qualifying purchases), exclusive discounts, or bonus rewards points during merchant-specific sales events or loyalty program promotions.

Holiday Promos: Expect enhanced promotional offers, bonus rewards, or special financing during major retail holiday periods such as Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Valentine's Day, Mother's Day, Father's Day, and other seasonal sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good for store-specific discounts and promotional financing offers. Relatively easy to get approved for those with fair credit.

Top Negative:
High APR, customer service can be frustrating, deferred interest can be a trap if not paid off in time.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Discover it® Secured Credit Card

Card Value Score: 68.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0