OneTravel Credit Card

Synchrony Visa Pending

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7

Benefits

2

Reward Categories

3x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: onetravel-visa-card-v2

Issuer: Synchrony

Card Name: OneTravel Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:12

Last Scraped: Feb 17, 2026 07:13

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
OneTravel Purchases 3x Points Purchases made directly with OneTravel. No Cap
All Other Purchases 1x Points All purchases not made directly with OneTravel. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 7 Total
PENDING
Card Network Benefits 1
Standard Visa Benefits
Varies by benefit

Access to standard benefits provided by the Visa network, which may include various protections, services, and discounts. Specific benefits are detailed in the card's Visa Guide to Benefits.

Cost Savings 1
No Annual Fee
$0 annual fee

The credit card does not charge an annual fee for card membership.

Financing 1
Special Financing Offers
Varies by offer

Access to special financing options on eligible purchases, allowing cardholders to defer interest or make payments over time under specific promotional terms.

Rewards 4
OneTravel Purchase Rewards
5 points per $1

Earn 5 reward points for every $1 spent on eligible purchases made through OneTravel.

Gas & Restaurant Rewards
2 points per $1

Earn 2 reward points for every $1 spent on eligible gas and restaurant purchases.

Everyday Purchase Rewards
1 point per $1

Earn 1 reward point for every $1 spent on all other eligible purchases.

Points Redemption
Varies by redemption option

Points earned can be redeemed for various rewards, including travel, gift cards, and other options available through the rewards program.

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
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
PENDING
Standard APR

Purchase APR: 29.99% - 34.99%

Intro APR Offers

Intro Purchase APR: 0% for 6 months

Promo Financing: Special Financing

Promo Duration: 6 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: To be eligible for the OneTravel Visa Card v2, applicants must be 18+ years old (19+ in AL/NE), a US resident, and possess good to excellent credit (typically FICO 670+). A hypothetical sign-up bonus for 2026 could be: Earn 20,000 bonus points after spending $1,000 in the first 3 months. Applicants are generally not eligible for the sign-up bonus if they have received a bonus for this specific card or a previous version (e.g., v1) within the last 24 months. Synchrony may require income verification and may deny applications based on too many recent credit inquiries or new accounts across all issuers.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS) or suspicious transaction patterns; excessive cumulative credit limit across Synchrony accounts; rapid succession of applications for Synchrony cards; failure to make timely payments; abuse of return policies or credit/refund systems; providing inaccurate information on application.

Cliff Effect Rules: Eligibility for sign-up bonuses is typically restricted if the applicant has received a bonus for this specific card (onetravel-visa-card-v2) or a closely related previous version within the last 24-48 months. Synchrony also monitors total credit exposure across all its products, which can impact approval for new cards or credit limit increases if deemed too high.

Special Events: As a co-branded Visa card, this product does not typically participate in traditional 'Store Card Special Events' like pure store-branded cards. However, OneTravel itself may offer cardholder-exclusive promotions tied to travel booking seasons.

Holiday Promos: Synchrony does not typically have fixed, card-specific holiday promotion periods for general co-branded Visa cards. Any holiday promotions would likely be general cardholder offers from Synchrony or specific travel deals offered by OneTravel.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
No annual fee, decent rewards on OneTravel purchases, flexible redemption options including cash back.

Top Negative:
Customer service issues, potentially low credit limits, limited value outside of OneTravel purchases, high APR.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One VentureOne Rewards Credit Card
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Card Value Score: 65.0 / 100

Est. Annual Rewards: $210.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: CCAA-OT-01-2023