Synchrony Premier World Mastercard®
Basic Information
Program ID: synchrony-cutting-edge-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 13:27
Last Scraped: 01/15/2026 13:28
Fee Structure
| Annual Fee: | $450.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $250.00 |
| Authorized User Fee: | $75.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $1,500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Online Shopping, 5x Digital Subscriptions, 5x Mobile Wallet Payments, 2x Groceries & Dining
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Application Eligibility: Applicants must be 18 years or older (21 in some states), a US resident with a valid SSN or ITIN, and possess good to excellent credit (typically FICO 700+). Approval is subject to Synchrony's internal credit assessment, including debt-to-income ratio and recent credit inquiries. Bonus Rule: New cardholders can earn a one-time sign-up bonus (e.g., $200 statement credit or 20,000 points) after spending $1,500 on eligible purchases within the first 3 months of account opening. This bonus is generally not available to applicants who have received a bonus for this specific product within the last 24 months. Store-Specific Restrictions/Benefits: While a general-purpose card, the 'cutting-edge' card offers enhanced rewards, special financing options, or exclusive discounts when used at designated Synchrony retail partners. These benefits are dynamic and may vary by retailer and promotional period. Foreign transaction fees are waived.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS) activities, especially those designed to quickly meet spending thresholds or generate cash equivalents; high cumulative credit exposure across all Synchrony accounts relative to income; frequent or excessive credit limit increase requests; multiple late payments or defaults on any Synchrony-issued product; sudden, drastic changes in spending patterns inconsistent with historical behavior; opening a high number of new credit accounts (from any issuer) in a short period, indicating potential bust-out risk; abuse of promotional financing offers or rewards programs.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy approval for specific store financing, useful for building credit, good promotional offers.
Top Negative Feedback:
High deferred interest APRs, customer service can be inconsistent, limited card utility outside specific stores.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Capital One Platinum Credit Card
- Discover it Secured Credit Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store & Co-brand
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0