10
Benefits2
Reward Categories2x
Max Reward32%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Swarovski Purchases | 2x | Points | Purchases made at Swarovski stores or swarovski.com | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Mastercard is accepted | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 10 Total
PENDINGPurchase Protection 2
Extended Warranty Protection
Up to 1 additional yearDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases.
Purchase Protection
Up to 90 daysReimburses cardholders for eligible items that are stolen or damaged within 90 days of the purchase date.
Security 2
Mastercard ID Theft Protection
Comprehensive serviceProvides services to help detect and resolve identity theft, including monitoring, alerts, and resolution services.
Zero Liability Protection
Full protectionProtects cardholders from unauthorized purchases if their card is lost or stolen. Cardholders are not held responsible for unauthorized transactions.
Shopping 3
Rewards Earning Rate - Swarovski Purchases
2 points per $1Earn 2 rewards points for every $1 spent on purchases made at Swarovski.
Rewards Earning Rate - General Purchases
1 point per $1Earn 1 rewards point for every $1 spent on all other purchases made everywhere Mastercard is accepted.
Rewards Redemption - Swarovski Certificate
$25 certificate for 2,500 pointsReceive a $25 Swarovski Rewards Certificate for every 2,500 points earned.
Travel 1
Global Service
24/7 assistanceProvides 24/7 assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance.
Travel Insurance 2
Travel Accident Insurance
Varies by policyProvides coverage for accidental death or dismemberment while traveling on a common carrier when the fare is purchased with the card.
Car Rental Collision Damage Waiver
Secondary coverageProvides coverage for physical damage and theft of most rental vehicles when the eligible rental is paid for with the card and the rental company's collision damage waiver is declined.
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 |
| 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 balance 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: 31.99% - 31.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: New cardholders in 2026 are projected to receive a 15% discount on their first Swarovski purchase made within 30 days of account opening. Ongoing rewards typically include 5 points per dollar on Swarovski purchases and 1 point per dollar on all other Mastercard purchases. Eligibility requires applicants to be a US resident, 18 years or older, possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria, generally requiring good to excellent credit.
Max Cards Per Issuer: 6
Min Spend Interval: 30 days for initial purchase discount; 3 months for any potential broader spend-based bonuses.
Cliff Effect Rules: Synchrony does not typically enforce strict 'family' rules like 5/24. However, a significant 'cliff effect' can occur when a cardholder reaches a high cumulative credit limit across all Synchrony-issued cards. This can lead to automatic credit limit reductions on existing cards or denials for new applications, even with good credit, due to internal exposure limits. Approval for new cards becomes increasingly difficult after accumulating 5-7 Synchrony accounts or exceeding a total credit limit threshold (e.g., $50,000 - $75,000, depending on individual profile).
Special Events: Exclusive early access to new Swarovski collections, member-only sales events, birthday rewards (e.g., 10-20% off a single purchase), anniversary bonuses, and invitations to private in-store events.
Holiday Promos: Valentine's Day (February), Mother's Day (May), Black Friday/Cyber Monday (November), Christmas/New Year (December).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Exclusive discounts and promotions for Swarovski purchases, special financing options for larger purchases, rewards on Swarovski spending.
Top Negative:
High interest rates if balances are carried, customer service issues with Synchrony Bank, limited utility outside of Swarovski purchases.
Approval Experience: 72.0 / 100
Recommended Alternatives
- Pottery Barn Credit Card
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $85.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2024-03-01