15
Benefits2
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| QVC & HSN Purchases | 2x | Cash Back | Earn 2% back in QVC Rewards on purchases made at QVC and HSN. | No Cap | |
| All Other Purchases | 1x | Cash Back | Earn 1% back in QVC Rewards on all other purchases everywhere Mastercard is accepted, excluding QVC and HSN. | No Cap |
Rewards Summary
PENDINGReward Type: QVC Points
Base Rate: 1x
Bonus Rate: 2x
Categories: QVC and HSN purchases
Quarterly Rotating: No
Expiration Policy: Points expire 24 months from the date they are earned. Points will also be forfeited if your account is closed.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Points are automatically converted to a $10 QVC Statement Credit once you reach 1,000 points. Statement Credits can only be applied to your QVC QCard account and cannot be used for cash withdrawals, cash advances, or to pay any interest or fees.
Benefits & Protections (Detailed) 15 Total
PENDINGLifestyle 2
Mastercard Global Service
24/7 global assistanceProvides 24/7 assistance for card-related needs, including emergency card replacement, emergency cash advance, and locating ATMs.
Mastercard Concierge
Personalized concierge servicesOffers personalized assistance for travel planning, dining reservations, event tickets, and other lifestyle services.
Purchase Protection 2
Mastercard Purchase Protection
Up to $1,000 per claim, $10,000 per 12-month periodReimburses cardholders for eligible items purchased with the card that are stolen or damaged within a specified period (typically 90 days) from the date of purchase.
Mastercard Extended Warranty Protection
Up to $1,000 per claim, $10,000 per 12-month periodDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when the original warranty is for five years or less.
Rewards 3
QVC Purchase Rewards
5% back on QVC purchasesCardholders earn 5% back on all purchases made at QVC.
Dining and Gas Rewards
3% back on dining and gasCardholders earn 3% back on eligible dining and gas purchases.
Everyday Purchase Rewards
1% back on all other purchasesCardholders earn 1% back on all other eligible purchases made everywhere else Mastercard is accepted.
Security 2
Mastercard Zero Liability Protection
Full protection against unauthorized purchasesProtects cardholders from unauthorized purchases made with their Mastercard, ensuring they are not held responsible for fraudulent charges.
Mastercard ID Theft Protection
Identity theft resolution servicesProvides identity theft resolution services, including monitoring for suspicious activity and assistance with restoring identity if it is compromised.
Shopping 1
Special Financing Offers
Varies by offerCardholders may be eligible for special financing offers on qualifying purchases made at QVC.
Travel Insurance 5
Mastercard Car Rental Collision Damage Waiver
Up to actual cash value of the vehicleProvides coverage for physical damage and theft of most rental vehicles when the eligible Mastercard is used to initiate and pay for the entire rental and the cardholder declines the rental company's collision damage waiver (CDW) or similar option.
Mastercard Trip Cancellation/Interruption Insurance
Up to $1,500 per tripReimburses cardholders for non-refundable common carrier passenger fares if a trip is cancelled or interrupted for covered reasons, such as accidental bodily injury, sickness, or death.
Mastercard Baggage Delay Insurance
Up to $100 per day for 3 daysReimburses cardholders for the cost of essential items purchased when checked baggage is delayed or misdirected by a common carrier for a specified period (typically 4 hours or more).
Mastercard Lost Luggage Insurance
Up to $3,000 per covered personReimburses cardholders for the actual cash value of lost or damaged checked or carry-on luggage and its contents when traveling on a common carrier.
Mastercard Travel Accident Insurance
Up to $250,000Provides coverage for accidental death or dismemberment while traveling on a common carrier when the entire fare has been charged to the eligible Mastercard.
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 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 3% 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
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 29.99%
Cash Advance APR: 31.24%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the QVC QCard World Mastercard is expected to offer a sign-up bonus, typically a statement credit (e.g., $20-$50) after the first purchase or a small percentage back on QVC purchases for a limited initial period. Eligibility requirements include: being 18 years or older, a U.S. resident, having a valid Social Security Number, and possessing good to excellent credit (FICO score generally 670+). Applicants should not have a history of recent bankruptcies or excessive recent credit inquiries with Synchrony. Synchrony may also consider the number of existing Synchrony accounts and total credit exposure when evaluating new applications.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' or 'once-per-lifetime' bonus rules like some other major issuers. However, applicants may be limited to one sign-up bonus per specific QVC QCard product (e.g., QCard vs. QCard World Mastercard). Approval for new accounts is also subject to overall credit exposure limits with Synchrony, meaning too many existing accounts or a high total credit line could lead to denial for new applications.
Special Events: QVC-specific promotional periods such as 'Today's Special Value' enhancements, 'Christmas in July,' 'QVC Anniversary Sales,' 'Beauty Bash,' and other exclusive shopping events with enhanced rewards or special financing offers.
Holiday Promos: Major shopping holidays including Black Friday, Cyber Monday, Christmas/Holiday Season, New Year's, Valentine's Day, Mother's Day, Father's Day, and 4th of July, often featuring special financing or bonus rewards.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.6 / 5.0
Top Positive:
Easy approval, beneficial for frequent QVC shoppers with special financing and rewards, good for building credit.
Top Negative:
High APR, poor customer service from Synchrony, limited utility outside of QVC, difficulty with credit limit increases.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature
- Target RedCard
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0