OneTravel Visa Signature® Card

Synchrony Visa Signature Pending

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19

Benefits

3

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: onetravel-visa-signature-card

Issuer: Synchrony

Card Name: OneTravel Visa Signature® Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:14

Last Scraped: Feb 17, 2026 07:16

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers Servicemembers Civil Relief Act (SCRA) benefits. For accounts opened before active duty, eligible servicemembers may have their interest rate reduced to 6% APR on eligible balances during their active duty period. This applies to all Synchrony credit card accounts.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
OneTravel.com Purchases 5x Points Purchases made directly through OneTravel.com No Cap
Travel 2x Points Eligible travel purchases, including flights, hotels, car rentals, cruises, and travel agencies, not made through OneTravel.com No Cap
All Other Purchases 1x Points All other eligible purchases everywhere else Visa is accepted No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 10x

Categories: 10x on hotels and rental cars, 5x on flights booked through OneTravel.com

Quarterly Rotating: No

Cap Amount: $10,000.00

Expiration Policy: Points expire 24 months after the date they are earned if there is no qualifying activity on the account, or upon account closure.

Point Value: 0.01¢

Travel Portal Multiplier: 9x

Redemption Penalties: Points are worth 0.5 cents per point when redeemed for cash back or gift cards. Minimum redemption of 2,500 points for travel, 5,000 points for cash back or gift cards.

Benefits & Protections (Detailed) 19 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The credit card does not charge an annual fee.

Lifestyle 1
Visa Signature Concierge
Complimentary service

Provides 24/7 complimentary 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 cardholder

Protects eligible purchases 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 cardholder

Extends the manufacturer's original warranty by up to one additional year on eligible purchases with an original warranty of three years or less.

Return Protection
Up to $250 per item, up to $1,000 per year

Reimburses for eligible items that a store won't take back within 90 days of purchase.

Rewards 4
Earn Points on OneTravel.com Purchases
5 points per $1

Earn 5 points for every $1 spent on eligible purchases made at OneTravel.com.

Earn Points on Dining and Travel
2 points per $1

Earn 2 points for every $1 spent on eligible dining and travel purchases.

Earn Points on All Other Purchases
1 point per $1

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

Points Redemption for Travel
Redeem for travel

Redeem earned points for flights, hotels, and car rentals.

Security 1
Emergency Cash Disbursement and Card Replacement
Expedited service

Provides emergency cash or a replacement card if the card is lost or stolen, typically within 1-3 business days.

Travel Assistance 2
Roadside Dispatch
Service fees apply

A pay-per-use referral service that provides roadside assistance services like towing, tire changing, jump starting, lockout service, and fuel delivery.

Travel and Emergency Assistance Services
Referral service

Provides a range of emergency services when traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of third-party services.

Travel Benefits 1
Visa Signature Luxury Hotel Collection
Various benefits

Access to a curated collection of hotels worldwide with premium benefits like best available rate guarantee, automatic room upgrade (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).

Travel Insurance 6
Travel Accident Insurance
Up to $500,000

Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with the card.

Baggage Delay Insurance
Up to $100 per day for 3 days

Reimburses for the purchase of essential items when checked luggage is delayed by a common carrier for more than 6 hours.

Lost Luggage Reimbursement
Up to $3,000 per trip

Reimburses for the actual cost of replacing lost or stolen luggage and its contents when traveling on a common carrier.

Trip Delay Reimbursement
Up to $500 per ticket

Reimburses for reasonable additional expenses incurred when a trip is delayed for more than 6 hours or requires an overnight stay.

Trip Cancellation/Interruption Insurance
Up to $2,000 per person, up to $10,000 per trip

Reimburses for non-refundable passenger fares if a trip is cancelled or interrupted for covered reasons.

Auto Rental Collision Damage Waiver
Up to the actual cash value of the vehicle

Provides secondary coverage for damage due to collision or theft of most rental vehicles when the card is used to pay for the rental and the rental company's insurance is declined.

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
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Balance Transfer: Either $10 or 5% 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

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
700 - 850
Very Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: This analysis is based on current Synchrony practices and general credit card industry trends, extrapolated to 2026, as specific future rules are not publicly available. **Eligibility Requirements:** Applicants typically need good to excellent credit (FICO score generally 670+) for a Visa Signature card. Must be 18 years or older (19 in AL/NE), a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Income and debt-to-income ratio will also be assessed. **Bonus Rule (Example):** New cardmembers may earn a specific number of bonus points/miles after spending a certain amount (e.g., $1,500) on eligible purchases within the first 3 months of account opening. Bonus offers are typically one-time per card program. **Application Rules:** Synchrony generally allows multiple credit accounts per individual across its diverse portfolio. However, approval for new accounts, especially prime co-branded cards like Visa Signature, is subject to a comprehensive review of the applicant's credit profile, recent credit inquiries, total credit extended by Synchrony, and overall credit utilization. There isn't a strict 'X/Y' rule like some prime issuers, but rapid applications or high existing Synchrony credit limits can lead to denials.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony cards, suspicious spending patterns inconsistent with normal consumer behavior, non-payment or frequent late payments, abuse of promotional offers, or suspected fraud.

Cliff Effect Rules: Synchrony typically limits applicants to one instance of a specific co-branded card program at a time. Re-applying for the same card after closing may be subject to a waiting period (e.g., 12-24 months) and bonus eligibility restrictions, though not as strict as 'once per lifetime' rules from some other issuers. There are no known 'card family' restrictions that limit eligibility across different Synchrony co-brand partners (e.g., having a OneTravel card does not restrict you from getting a different Synchrony-issued store card).

Special Events: N/A - This is a travel co-branded Visa Signature card, not a store-specific retail card. Promotions are generally tied to travel booking or general Synchrony offers.

Holiday Promos: N/A - Promotional periods are typically tied to travel booking seasons (e.g., summer travel, holiday travel booking windows) or general Synchrony-wide promotions, rather than specific retail holiday periods.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent rewards on OneTravel purchases (5X points), good bonus categories for dining and general travel (2X points), no annual fee, and useful Visa Signature benefits.

Top Negative:
Customer service can be inconsistent, redemption options might be limited or complex, high APR for carrying balances, and not ideal for non-travel focused spending.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Chase Sapphire Preferred Card
  • Capital One VentureOne Rewards Credit Card
  • Bank of America Travel Rewards Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $270.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: OT-CC-AGR-01-14