18
Benefits2
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| OneTravel Purchases | 3x | Points | Net Purchases made on OneTravel.com | No Cap | |
| All Other Purchases | 1x | Points | Net Purchases made everywhere else Visa credit cards are accepted | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 18 Total
PENDINGFinancial 1
No Annual Fee
$0The credit card does not charge an annual fee for card membership.
Lifestyle 1
Visa Signature Concierge
N/A (service)24/7 complimentary personal assistance for travel planning, dinner reservations, event tickets, and more.
Purchase Protection 3
Purchase Security
Up to $500 per claim, up to $50,000 per cardholderProtects eligible new purchases made with your Visa Signature card against theft or damage for 90 days from the date of purchase.
Extended Warranty Protection
Up to $10,000 per claim, up to $50,000 per cardholderExtends the manufacturer's original U.S. warranty by an additional year on eligible items purchased with your Visa Signature card, for warranties of three years or less.
Return Protection
Up to $250 per item, up to $1,000 per yearProvides a refund for eligible items purchased with your Visa Signature card that merchants won't take back within 90 days of purchase.
Rewards 3
Accelerated Rewards on OneTravel Purchases
5X points ($0.05 back per $1)Earn 5 points for every $1 spent on eligible purchases made through OneTravel.com. Points are worth $0.01 each when redeemed for travel.
Accelerated Rewards on Dining and Gas
2X points ($0.02 back per $1)Earn 2 points for every $1 spent on eligible dining and gas purchases. Points are worth $0.01 each when redeemed for travel.
Standard Rewards on All Other Purchases
1X point ($0.01 back per $1)Earn 1 point for every $1 spent on all other eligible purchases. Points are worth $0.01 each when redeemed for travel.
Shopping 1
Visa Signature Discounts & Offers
Varies by offerAccess to exclusive discounts and special offers from various merchants and partners.
Travel 2
No Foreign Transaction Fees
0%No fees are charged on purchases made outside the United States.
Visa Signature Luxury Hotel Collection
Various hotel benefitsAccess to a curated collection of hotels worldwide with benefits like best available rate guarantee, automatic room upgrade upon arrival (when available), complimentary in-room Wi-Fi (when available), complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).
Travel Assistance 2
Roadside Dispatch
Pay-per-use serviceA pay-per-use roadside assistance program available 24/7 for services like towing, tire changing, jump starting, lockout service, and fuel delivery. Cardholders are responsible for service fees.
Travel and Emergency Assistance Services
Referral service (cost of services extra)Provides a referral service for medical, legal, and travel-related emergencies when you're away from home. Cardholders are responsible for the cost of services.
Travel Insurance 4
Auto Rental Collision Damage Waiver
Up to the actual cash value of the vehicleProvides secondary coverage for damage due to collision or theft for most rental cars when you pay for the rental with your eligible Visa Signature card and decline the rental company's collision damage waiver.
Lost Luggage Reimbursement
Up to $3,000 per tripReimburses you for the replacement of your checked or carry-on luggage and its contents if lost or stolen due to common carrier travel when you pay for the entire fare with your eligible Visa Signature card.
Trip Delay Reimbursement
Up to $500 per ticketReimburses you for reasonable additional expenses incurred when your common carrier trip is delayed for a specified period (e.g., 6 hours or more) or requires an overnight stay, when you pay for the entire fare with your eligible Visa Signature card.
Trip Cancellation/Interruption Insurance
Up to $1,500 per tripReimburses you for non-refundable passenger fares if a trip is canceled or interrupted for covered reasons (e.g., illness, severe weather) when you pay for the entire fare with your eligible Visa Signature card.
Welcome Offer 1
Welcome Offer Statement Credit
$50 statement creditReceive a $50 statement credit after spending $500 on eligible purchases within the first 90 days of account opening.
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
PENDING10,000
Points/MilesRequirement: Spend $1,000 in 90 days
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| 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
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 31.24%
Cash Advance APR: 31.99%
Intro APR Offers
Intro Purchase APR: 0% for 6 months
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: To be eligible for the OneTravel Visa Card, applicants must be at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess good to excellent credit (typically a FICO score of 670+). All applications are subject to Synchrony Bank's credit approval process, which includes a review of credit history and income. A common sign-up bonus structure for this card involves earning a specific amount of bonus points (e.g., 10,000-20,000 points) after spending a set amount (e.g., $500-$1,000) on eligible purchases within the first 90 days of account opening. Points are generally redeemable for travel through OneTravel or for statement credits.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony Bank generally does not implement complex 'cliff effect' rules or card family restrictions that limit eligibility for other cards based on existing Synchrony products in the same way major issuers like Chase or American Express do. Each co-branded card, including the OneTravel Visa, is largely evaluated independently based on creditworthiness and existing credit exposure with Synchrony.
Special Events: As a co-branded card with OneTravel, special events often include periodic bonus point offers or discounts on OneTravel bookings, especially during peak travel seasons, specific promotional campaigns, or exclusive cardholder-only deals. These are typically ad-hoc and announced directly by OneTravel or Synchrony Bank.
Holiday Promos: Promotional periods are generally ad-hoc and announced by OneTravel or Synchrony Bank, often aligning with major travel booking periods (e.g., Black Friday, Cyber Monday, summer travel sales, New Year travel deals) rather than fixed annual holiday dates. Cardholders should monitor communications from OneTravel and Synchrony for these limited-time offers.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Good rewards on OneTravel, gas, and dining; No annual fee; No foreign transaction fees; Useful sign-up bonus.
Top Negative:
Customer service can be inconsistent; High APR if carrying a balance; Points redemption might be limited to OneTravel portal.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One VentureOne Rewards Credit Card
- Citi Custom Cash Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $277.50
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: 2023-10