Synchrony Premier World Mastercard®

Synchrony Mastercard World Mastercard Pending

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Basic Information
PENDING

Program ID: synchrony-luxury-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 13:18

Last Scraped: Feb 15, 2026 16:34

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony complies with the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA). SCRA provides interest rate reductions on pre-service obligations, while MLA offers protections including a 36% Military Annual Percentage Rate (MAPR) cap for eligible servicemembers and their dependents.

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING

Quarterly Rotating: No

Travel Portal Multiplier: 1x

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
Late Fee: $41.00
Returned Payment: $30.00
Balance Transfer: Either $10 or 4% 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
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Hard Pull Only
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Synchrony Luxury Credit Card requires an excellent credit score (typically 740+ FICO), a stable high income, and a limited number of new credit accounts opened in the last 6-12 months. Applicants must be 18+ years old and a US resident. The sign-up bonus typically offers a significant points or cash back reward after meeting a substantial minimum spend requirement within the first 6 months of account opening. Store-specific restrictions apply, meaning certain bonus categories, redemption options, or exclusive benefits may only be available or enhanced when used with the associated luxury retail partner(s).

Max Cards Per Issuer: 3

Min Spend Interval: 6 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, frequent abuse of return policies, excessive balance transfers without interest, opening too many Synchrony accounts in a short period, defaulting on other Synchrony accounts, or suspicious spending patterns inconsistent with typical luxury card usage.

Cliff Effect Rules: Synchrony generally limits applicants to one sign-up bonus per specific card product every 24-48 months. While there isn't a strict '5/24' equivalent, applying for too many Synchrony cards or high-tier credit products within a short timeframe (e.g., 3+ cards in 12 months) may lead to application denials or account reviews.

Special Events: Exclusive access to partner luxury brand's private sales, anniversary events, early product launches, and enhanced bonus point accumulation during specific promotional periods tied to the luxury retailer.

Holiday Promos: Special bonus offers, accelerated rewards, or exclusive discounts during major shopping holidays such as Black Friday, Cyber Monday, Valentine's Day, Mother's Day, and the entire December holiday season.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Users frequently praise the specific store discounts, promotional financing offers (e.g., 0% APR for a period), and ease of approval for store-specific cards. Many appreciate the loyalty benefits tied to their favorite retailers.

Top Negative:
Common complaints often revolve around customer service issues, high APRs after promotional periods, difficulty with credit limit increases, and sometimes specific store return/warranty policies tied to the card.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
  • Target RedCard
  • Citi Double Cash Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $220.00

Approval Probability: 65.0%

Version Control
PENDING

Version ID: 01/2024