Sun Country Airlines® Visa Signature® Card
Basic Information
Program ID: sun-country-airlines-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 13:12
Last Scraped: 01/15/2026 13:14
Fee Structure
| Annual Fee: | $69.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $69.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| 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% |
Sign-Up Bonus
Bonus Amount: $40,000.00
Spending Requirement: $2,000.00
Time Period: 90 days
Bonus Timing: Bonus points typically post to your Sun Country Rewards account within 1-2 billing cycles after you meet the spending requirement.
Rewards Program
Reward Type: Airline Miles
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Sun Country Purchases, 2x Gas, 2x Groceries
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after earning if no qualifying activity on the account.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility requirements for the Sun Country Airlines Credit Card in 2026 include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing good to excellent credit (typically a FICO score of 670+). Approval is subject to Synchrony's comprehensive credit underwriting standards, which consider an applicant's overall credit profile, existing credit relationships with Synchrony, and total credit exposure. The standard bonus rule is to earn a specified number of bonus miles after spending a certain amount (e.g., $1,500) within the first 3 months of account opening. Bonus miles are typically awarded within 1-2 billing cycles after the spend requirement is met.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, reloads, or payment cycling), sudden and drastic changes in spending patterns inconsistent with historical behavior, indicators of bust-out risk, high cumulative credit limit across all Synchrony accounts relative to income, repeated late payments, or any suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Users appreciate the flight benefits like free checked bags and priority boarding, along with strong rewards earning on Sun Country purchases and a valuable sign-up bonus.
Top Negative Feedback:
Common complaints include high annual fees, limited redemption options outside of Sun Country, and occasional issues with Synchrony's customer service.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Alaska Airlines Visa Signature Card
- Southwest Rapid Rewards Plus Credit Card
- Capital One VentureOne Rewards Credit Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $420.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 80 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 78.0%
Terms Version Control
Version ID: v1.0