Synchrony Mastercard

Synchrony Mastercard Pending

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6

Benefits

1

Reward Categories

1x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: synchrony-build-mastercard

Issuer: Synchrony

Card Name: Synchrony Mastercard

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:51

Last Scraped: Feb 07, 2026 04:51

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Purchases 1x Cash Back Earn 1% cash back on every purchase, everywhere Mastercard is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Quarterly Rotating: No

Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Redeem cash back as a statement credit or direct deposit into a bank account once your rewards balance reaches $5.00.

Benefits & Protections (Detailed) 6 Total
PENDING
Emergency Services 1
Mastercard Global Service
24/7 emergency assistance

Offers 24/7 emergency assistance for card-related issues, including lost/stolen card reporting, emergency card replacement, and emergency cash advance services worldwide.

Financial 2
No Annual Fee
No annual fee

The Build Mastercard does not charge an annual fee for card membership.

No Security Deposit Required
No security deposit

Unlike secured credit cards, the Build Mastercard does not require an upfront security deposit.

Financial Management 1
Free FICO® Score Access
Free access

Cardmembers can access their FICO® Score for free to monitor their credit health and progress.

Security 2
Mastercard Identity Theft Protection
Monitoring, alerts, and resolution assistance

Provides services to help detect and resolve identity theft, including monitoring for suspicious activity, alerts, and resolution assistance from identity theft specialists.

Mastercard Zero Liability Protection
Protection against unauthorized purchases

Protects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for fraudulent charges.

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
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
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Synchrony Build Mastercard is primarily designed for individuals looking to establish or rebuild their credit history. Eligibility requirements typically include: being 18 years or older, a U.S. resident, possessing a valid Social Security Number, and having a stable income source. Applicants usually have fair, poor, or limited credit history. A security deposit is often required to open the account, which determines the credit limit. This card generally does not offer a sign-up bonus or significant rewards program, as its primary function is credit building through responsible usage and on-time payments.

Max Cards Per Issuer: 3

Min Spend Interval: Not applicable; this card typically does not offer a sign-up bonus or spend-based rewards.

Shutdown Risk Triggers: Common triggers for account review or potential shutdown by Synchrony include: multiple late or missed payments, exceeding credit limits, suspected fraudulent activity, excessive credit seeking (especially multiple Synchrony accounts in a short period), high cumulative credit exposure across all Synchrony products, or a significant change in financial stability (e.g., bankruptcy). While manufactured spending is less relevant for a no-rewards card, any activity deemed a breach of terms could trigger review.

Cliff Effect Rules: Synchrony does not have a strict 'cliff effect' rule like some other issuers (e.g., 5/24). However, they are sensitive to the total number of open Synchrony accounts and the cumulative credit limit extended across all their products. Applying for too many Synchrony cards within a short timeframe, or having a high total credit limit with Synchrony, can negatively impact approval chances for new applications or lead to credit limit reductions on existing accounts.

Special Events: Not applicable; the Synchrony Build Mastercard is a general-purpose Mastercard, not a store-specific credit card.

Holiday Promos: Not applicable; as a general-purpose credit-building card, it does not typically participate in store-specific holiday promotional periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Opportunity to build credit, easy application process, widely accepted Mastercard.

Top Negative:
Low initial credit limits, high APR, limited rewards program.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Discover it Secured
  • Capital One Platinum Secured
  • Chime Credit Builder Visa

Card Value Score: 72.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Oct 27, 2023 00:00