Synchrony Premier World Mastercard®

Synchrony Mastercard World Mastercard Pending

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Benefits

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Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: synchrony-cutting-edge-credit-card

Issuer: Synchrony

Card Name: Synchrony Premier World Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: World Mastercard

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:27

Last Scraped: Feb 15, 2026 16:43

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits and protections under the Servicemembers Civil Relief Act (SCRA) for eligible accounts. This may include reducing interest rates to 6% for accounts opened before active duty or 36% for accounts opened during active duty, for the period of active duty.

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed)
No Card Benefits Available

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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
Additional Fees
PENDING
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be 18+ (or 21+ in some states), a US resident with a valid SSN/ITIN, and possess good to excellent credit (typically FICO 670+). Income verification may be required. Bonus Rule: New cardholders are eligible for a one-time sign-up bonus (e.g., $200 statement credit after spending $1,000 within the first 3 months). Ongoing bonus categories may include enhanced rewards (e.g., 5% back) at specific partner retailers or rotating categories, subject to quarterly activation and spending caps. Store-specific restrictions mean these enhanced rewards are only valid at designated Synchrony retail partners. Re-eligibility: Not eligible for the sign-up bonus if you have received a bonus for this specific card within the last 24 months.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, sudden and drastic changes in spending patterns inconsistent with historical behavior, defaulting on any Synchrony-issued account, excessive credit seeking across multiple Synchrony products in a short period, high cumulative credit limit across all Synchrony accounts relative to income, suspected fraud, or non-payment.

Cliff Effect Rules: While Synchrony does not typically have complex 'card family' rules, eligibility for sign-up bonuses is restricted to new cardholders who have not received a bonus for the 'synchrony-cutting-edge-credit-card' within the past 24 months. Approval for new Synchrony products, including this one, is heavily influenced by the applicant's overall credit relationship with Synchrony, including payment history and total credit exposure across all Synchrony-issued cards. Product changes to or from this card may impact future bonus eligibility.

Special Events: Enhanced bonus rewards (e.g., 10% back or 0% APR financing) and exclusive discounts or early access to sales at designated Synchrony retail partners during specific promotional periods (e.g., 'Partner Appreciation Week,' 'Seasonal Savings Events'). These events are typically announced via email or within the Synchrony app.

Holiday Promos: Increased bonus rewards (e.g., 5% or 10% back) or special financing offers (e.g., 0% APR for 12-24 months) on purchases made at participating retailers during major shopping holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Valentine's Day, Mother's Day, and Father's Day.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Easy approval for store cards, promotional financing offers, and specific store discounts.

Top Negative:
Frequent complaints about poor customer service, high interest rates, and issues with credit limit increases or account management.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
  • Capital One Walmart Rewards Mastercard
  • Target RedCard

Card Value Score: 55.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0