Sun Country Airlines Visa Signature® Card

Synchrony Visa Signature Pending

Back Apply Now

15

Benefits

3

Reward Categories

3x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: sun-country-airlines-credit-card

Issuer: Synchrony

Card Name: Sun Country Airlines Visa Signature® Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:12

Last Scraped: Feb 05, 2026 13:06

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA), offering protections for active duty military personnel and their families, including interest rate reductions on pre-service obligations under SCRA.

Rewards Program (Detailed) 3 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Sun Country Purchases	3x	Miles	Purchases made directly with Sun Country Airlines, including flights, in-flight purchases, seat assignments, and baggage.	No Cap
Gas & Groceries	2x	Miles	Purchases at gas stations and grocery stores.	No Cap
All Other Purchases	1x	Miles	All eligible purchases not categorized as Sun Country purchases, gas, or groceries.	No Cap

Rewards Summary

PENDING

Reward Type: Miles

Base Rate: 1x

Bonus Rate: 3x

Categories: Sun Country Airlines purchases

Quarterly Rotating: No

Expiration Policy: Miles expire after 24 months of inactivity.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Award redemptions may be subject to taxes and fees.

Benefits & Protections (Detailed) 15 Total

PENDING

Lifestyle 1

Visa Signature Concierge

24/7 personal assistance

Enjoy complimentary 24/7 concierge services for help with travel planning, dinner reservations, event tickets, and more.

Rewards 3

Sun Country Purchases Rewards

3X points per $1

Earn 3 points per $1 spent on eligible Sun Country purchases, including airfare, in-flight purchases, and vacation packages.

Gas and Groceries Rewards

2X points per $1

Earn 2 points per $1 spent on eligible gas and grocery purchases.

Everyday Purchases Rewards

1X point per $1

Earn 1 point per $1 spent on all other eligible purchases.

Security 4

Lost/Stolen Card Reporting

Assistance with card replacement

If your Visa card is lost or stolen, Visa can help you report it to your issuer and get a replacement card.

Emergency Cash Disbursement

Emergency cash access

If your Visa card is lost or stolen, Visa can arrange for you to get emergency cash from a location near you.

Emergency Card Replacement

Expedited card replacement

If your Visa card is lost or stolen, Visa can work with your issuer to expedite a replacement card to you.

Zero Liability Protection

Protection against unauthorized charges

Protects you from unauthorized purchases made with your card or account information. You are not responsible for unauthorized charges made with your Visa card.

Travel Assistance 2

Travel & Emergency Assistance Services

Referral and coordination services

Connects you with the help you need when you’re away from home. Services include medical and legal referrals, emergency transportation assistance, and more. Cardholders are responsible for the cost of any services received.

Roadside Dispatch

Pay-per-use roadside assistance

A pay-per-use roadside assistance program. No annual membership fee. Just call 1-800-VISA-TOW for a flat rate for services like standard towing, tire changing, jump starting, lockout service, and fuel delivery.

Travel Benefits 4

Free Checked Bag

One free checked bag per person (up to 4)

Receive one free checked bag for the primary cardholder and up to three companions on the same reservation when using your Sun Country Airlines Visa Signature Card to purchase Sun Country flights.

Priority Boarding

Priority boarding for cardholder + 3 companions

Receive priority boarding for the primary cardholder and up to three companions on the same reservation when using your Sun Country Airlines Visa Signature Card to purchase Sun Country flights.

In-Flight Purchase Discount

25% discount

Receive 25% off eligible in-flight food and beverage purchases when using your Sun Country Airlines Visa Signature Card.

Visa Signature Luxury Hotel Collection

Exclusive hotel benefits

Access to a curated collection of over 900 prestigious properties worldwide, offering premium 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).

Welcome Offer 1

Welcome Bonus Points

40,000 bonus points

Earn 40,000 bonus points after spending $1,500 on purchases within the first 90 days of account opening.

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

PENDING

25,000

Points/Miles

Requirement: Spend $1,500 in 90 days

Fee Structure

PENDING

Annual Fee:	$69.00
Year 1 Waived:	No
Effective Annual Fee:	$69.00
Authorized User Fee:	$0.00
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 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

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 850

Approval Odds

Good

Soft Pull Support

Hard Pull Only

Application Process

Prequalification

Not Available

Preapproval

Not Available

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: Eligibility Requirements: Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria (typically fair to good credit). No recent bankruptcies or severe delinquencies. Anticipated Bonus Rule for 2026: Earn 40,000 bonus Sun Country Rewards points after spending $2,000 on purchases within the first 3 months of account opening. Points are redeemable exclusively for Sun Country Airlines flights, vacation packages, and ancillary services. Bonus points may not be eligible for redemption on partner airlines or non-Sun Country specific travel. Application Rules: Synchrony may limit new accounts based on the applicant's total credit exposure across all Synchrony products. Previous welcome bonus receipt for this specific card may disqualify applicants from receiving it again within a certain timeframe (e.g., 24 months). Store-specific restrictions apply, meaning bonus categories and redemption options are primarily tied to Sun Country Airlines purchases and services.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (multiple applications in a short period), high cumulative credit limit across Synchrony products, repeated late payments, suspicious account activity, or breach of cardholder agreement terms.

Cliff Effect Rules: Synchrony typically applies welcome bonus eligibility on a per-card basis, often with a 'once every X years' or 'not available to current or previous cardholders who received a bonus within the last 24 months' rule for the specific Sun Country Airlines Credit Card. There are generally no broader 'card family' restrictions that impact eligibility across different Synchrony co-branded products.

Special Events: Anticipated airline-specific promotions such as bonus points on Sun Country flights during peak travel seasons, discounted award travel redemptions, or exclusive access to seat sales for cardholders. These events are typically announced directly by Sun Country Airlines in conjunction with Synchrony.

Holiday Promos: Expected holiday-themed promotions offering accelerated earning rates on Sun Country purchases (e.g., 5x points during Thanksgiving/Christmas travel periods) or special redemption offers for flights booked during specific holiday windows. These are distinct from general retail holiday sales.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Good for frequent Sun Country flyers, valuable sign-up bonus, and useful travel perks like free checked bags.

Top Negative:
High annual fee, limited redemption options outside of Sun Country, and inconsistent customer service.

Approval Experience: 70.0 / 100

Recommended Alternatives

Southwest Rapid Rewards Plus Credit Card
United Gateway Card
Capital One VentureOne Rewards Credit Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $350.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: v1.0