21
Benefits4
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Flights | 3x | Points | Purchases made directly with Sun Country Airlines | No Cap | |
| Gas | 2x | Points | Purchases at gas stations | No Cap | |
| Groceries | 2x | Points | Purchases at grocery stores | No Cap | |
| All Other Purchases | 1x | Points | All eligible purchases not categorized as Sun Country, gas, or grocery purchases | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x Sun Country Purchases, 2x Gas, 2x Groceries
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 21 Total
PENDINGLifestyle 1
Visa Signature Concierge
24/7 personal assistanceProvides 24/7 complimentary personal assistance for travel planning, dinner reservations, event tickets, and more.
Purchase Protection 3
Purchase Security
Up to $500 per claim, $50,000 per cardholderProtects eligible new purchases against theft or damage for 90 days from the date of purchase.
Extended Warranty Protection
Up to $10,000 per claim, $50,000 per cardholderExtends the manufacturer's original U.S. warranty by an additional year on eligible items with warranties of three years or less.
Return Protection
Up to $250 per item, $1,000 per cardholder per yearReimburses you for eligible items that a store won't take back within 90 days of purchase.
Rewards 5
Welcome Bonus Points
50,000 bonus pointsEarn 50,000 bonus points after spending $1,500 in the first 3 billing cycles after account opening.
Welcome Sun Country Airlines Voucher
$50 voucherEarn a $50 Sun Country Airlines voucher after your first purchase.
Accelerated Rewards on Sun Country Airlines Purchases
3X points per dollarEarn 3 points per dollar spent on eligible Sun Country Airlines purchases.
Accelerated Rewards on Gas and Groceries
2X points per dollarEarn 2 points per dollar spent on eligible gas and grocery purchases.
Standard Rewards on All Other Purchases
1X point per dollarEarn 1 point per dollar spent on all other eligible purchases.
Security 2
Emergency Cash Disbursement and Card Replacement
Emergency cash and card replacementProvides emergency cash or a replacement card if your card is lost or stolen, typically within 24 to 72 hours.
Zero Liability Protection
No liability for unauthorized transactionsProtects cardholders from unauthorized purchases made with their card or account information.
Travel 5
Free Checked Bag
Free checked bag for cardholder + up to 8 guestsCardholder and up to 8 guests on the same reservation receive one free checked bag on Sun Country Airlines flights.
Priority Boarding
Priority boardingCardholder and guests on the same reservation receive priority boarding on Sun Country Airlines flights.
In-Flight Purchase Discount
25% offReceive 25% off eligible in-flight purchases on Sun Country Airlines.
Annual Sun Country Airlines Credit
$50 annual creditEarn a $50 Sun Country Airlines credit after spending $10,000 on purchases in your prior card membership year.
Roadside Dispatch
Pay-per-use serviceA pay-per-use roadside assistance program that provides services like towing, tire changing, jump starting, lockout service, and fuel delivery.
Travel Insurance 5
Auto Rental Collision Damage Waiver
Secondary coverageProvides secondary coverage for damage due to collision or theft of most rental vehicles when you pay for the rental with your eligible card and decline the rental company's collision damage waiver (CDW) or similar option.
Lost Luggage Reimbursement
Up to $3,000 per tripReimburses you for the actual cost of repairing or replacing your checked or carry-on luggage and its contents if lost or damaged by the carrier, up to a specified amount per trip.
Trip Cancellation/Interruption Insurance
Up to $2,000 per insured personReimburses you for non-refundable passenger fares if a trip is cancelled or interrupted for covered reasons, such as accidental bodily injury, sickness, or death.
Trip Delay Reimbursement
Up to $300 per ticketReimburses you for reasonable additional expenses (e.g., meals, lodging) incurred when a covered trip is delayed for more than 6 hours or requires an overnight stay.
Travel and Emergency Assistance Services
Referral servicesProvides a range of emergency services when you're away from home, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services received.
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
PENDING25,000
Points/MilesRequirement: Spend $1,500 in 90 days
Fee Structure
PENDING| Annual Fee: | $69.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $19.00 |
| 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 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% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 6 months
Intro BT APR: 0% for 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility Requirements: Applicants must be 18 years or older, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have a U.S. mailing address, and demonstrate good to excellent creditworthiness. Synchrony assesses overall credit profile, including recent inquiries and new accounts. Bonus Rule: New cardmembers are typically eligible for a one-time welcome bonus (e.g., X Sun Country Rewards points or a statement credit) after spending Y amount on eligible purchases within Z months of account opening. This bonus is generally not available to applicants who have had this specific card product or a similar Sun Country co-branded card within the last 12-24 months. Application Rules: Synchrony may limit the number of new accounts opened within a short period (e.g., 0-1 new Synchrony card every 6 months). Approval is subject to Synchrony's internal credit policies and overall credit exposure limits. Store-specific restrictions apply, meaning benefits and redemptions are primarily tied to the Sun Country Airlines ecosystem.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony generally applies a 'once per lifetime' or 'once every 12-24 months' rule for welcome bonuses on specific card products. There are typically no complex 'card family' rules that prevent earning bonuses on different Synchrony co-branded cards, but eligibility for a specific Sun Country card bonus may be restricted if a similar Sun Country product was held recently.
Special Events: As a co-branded airline card, special events typically revolve around Sun Country Airlines promotions. These may include discounted flights, bonus points on Sun Country purchases (flights, vacation packages, in-flight), exclusive access to sales, or enhanced redemption values for limited periods. These are often tied to travel seasons or specific airline campaigns.
Holiday Promos: Common holiday promotion periods for travel cards and airlines include Black Friday/Cyber Monday (late November), end-of-year holiday travel season (December), early booking promotions for summer travel (January-March), and occasional flash sales throughout the year tied to specific travel dates or destinations.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Cardholders appreciate the valuable sign-up bonus, free checked bags, and in-flight discounts, making it a good choice for frequent Sun Country travelers.
Top Negative:
Some users find the annual fee high if not flying Sun Country frequently, limited redemption options, and wish for better earning rates on everyday spending.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture Rewards Credit Card
- Southwest Rapid Rewards Plus Credit Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $380.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: SCVSA_AGR_0723_WEB