Build Mastercard®
Basic Information
Program ID: synchrony-build-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:51
Last Scraped: 01/15/2026 08:34
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,699.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No sign-up bonus (welcome offer) is currently advertised on the Synchrony Build Mastercard application page as of January 2026.
Rewards Program
Reward Type: None
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The Synchrony Build Mastercard does not offer a rewards program. Its primary purpose is to help cardholders build credit.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - No rewards program
Transfer Partners: N/A - No rewards program
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 580 - 670
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Synchrony Build Mastercard is a secured credit card designed for individuals looking to establish or rebuild credit. Its primary 'bonus' is the opportunity to graduate to an unsecured card and improve credit scores through responsible usage. Eligibility typically requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid SSN or ITIN, and demonstrate an ability to make payments. While specific credit scores are not a hard requirement due to its secured nature, a stable income and a security deposit are mandatory. The path to graduation usually involves 6-12 months of on-time payments, low utilization, and no negative marks.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional bonus spend. Responsible usage (on-time payments, low utilization) over 6-12 months is required for potential graduation to an unsecured card.
Shutdown Risk Triggers: Manufactured spending, consistent high credit utilization (especially across multiple Synchrony accounts), payment defaults, suspicious account activity, rapid application for multiple credit lines (especially within Synchrony's ecosystem), exceeding internal cumulative credit limits across all Synchrony products, and significant changes in credit profile or income.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Helped me build credit, easy approval for those with limited credit history, good stepping stone to better cards.
Top Negative Feedback:
High fees, low credit limit, poor customer service, limited rewards, difficult to get credit limit increases.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Discover it Secured
- Capital One Platinum Secured
- Chime Credit Builder Visa Secured
Card Value Score: 65.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 18 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: SYF-B-MC-CA-0224