6
Benefits2
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| OneTravel Purchases | 5x | Points | Purchases made on OneTravel.com | No Cap | |
| All Other Purchases | 1x | Points | All eligible purchases outside of OneTravel.com | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x on OneTravel purchases
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as your account is open and in good standing. Upon account closure, any unredeemed points will be forfeited.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Points are worth 0.5 cents each when redeemed for cash back or statement credit.
Benefits & Protections (Detailed) 6 Total
PENDINGFinancial 2
No Annual Fee
No annual feeThe credit card does not charge an annual fee.
Introductory 0% APR on Large Purchases
0% APR for 6 months on purchases $999+Enjoy a 0% introductory Annual Percentage Rate (APR) on purchases of $999 or more for the first 6 months from account opening. After the introductory period, a variable APR will apply.
Rewards 4
Bonus Rewards on OneTravel.com Purchases
5 points per $1Earn 5 points for every $1 spent on eligible purchases made at OneTravel.com.
Bonus Rewards on Dining & Entertainment
2 points per $1Earn 2 points for every $1 spent on eligible dining and entertainment purchases.
Standard Rewards on All Other Purchases
1 point per $1Earn 1 point for every $1 spent on all other eligible purchases.
Flexible Rewards Redemption
Points redeemable for travel, gift cards, and moreRedeem earned points for travel, gift cards, and other options.
Benefits Summary (Flags)
PENDINGExtended 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: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 3.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 33.99%
Cash Advance APR: 34.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The OneTravel Mastercard, issued by Synchrony, is designed for individuals with good to excellent credit (typically FICO 670+). Applicants must be at least 18 years old, possess a valid U.S. Social Security Number or ITIN, and have a U.S. residential address. Eligibility also requires sufficient verifiable income to meet credit obligations. Synchrony may consider an applicant's existing credit relationships and overall credit exposure with the issuer. The standard sign-up bonus typically involves earning a set amount of bonus points (e.g., 20,000-50,000 points) after meeting a specified spending threshold (e.g., $1,000-$3,000) within the initial 3-6 months of account opening. Store-specific restrictions apply, meaning bonus points and special discounts are primarily earned on purchases made through OneTravel.com or its affiliated travel partners, and point redemption may be limited to bookings made via OneTravel platforms.
Max Cards Per Issuer: 5
Min Spend Interval: 3-6 months
Cliff Effect Rules: Synchrony generally does not impose strict 'card family' rules similar to some prime issuers (e.g., Chase's 5/24). However, they closely monitor overall credit exposure and risk across all accounts held with them. Approval for new cards or credit limit increases may be impacted by the total credit extended, recent credit inquiries, and payment history across all Synchrony products.
Special Events: Promotional periods often align with peak travel seasons (e.g., summer, winter holidays) or major booking events (e.g., Black Friday, Cyber Monday travel deals). Expect bonus point offers on specific travel categories, discounts on hotel or flight bookings made through OneTravel.com, or accelerated earning rates during limited-time promotions.
Holiday Promos: Key promotional periods include Summer Travel Season (May-August), Fall Travel Sales (September-October), Black Friday/Cyber Monday (November), and Winter Holiday Travel (December-January). These periods often feature enhanced earning rates or redemption bonuses for travel-related expenditures.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Good rewards on OneTravel and general travel/dining purchases. Solid sign-up bonus for new cardholders. Useful for frequent OneTravel users.
Top Negative:
High APR compared to some competitors. Customer service can be inconsistent. Points redemption process may be complex or limited. Better travel card options might be available.
Approval Experience: 70.5 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One VentureOne Rewards Credit Card
- Citi Double Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $250.00
Approval Probability: 65.0%
Version Control
PENDINGVersion ID: v1.0