Sam's Club Mastercard
Basic Information
Program ID: synchrony-luxury-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 13:18
Last Scraped: 01/15/2026 13:20
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each 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
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT Duration: 0 months
Sign-Up Bonus
Bonus Amount: $100,000.00
Spending Requirement: $6,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of statement closing.
Rewards Program
Reward Type: N/A - Card details not found
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - This specific 'Synchrony Luxury Credit Card' does not appear to be a standard, publicly offered product by Synchrony Bank. Synchrony primarily issues co-branded credit cards for various retailers and partners, rather than a standalone 'luxury' card under its own brand name with a generic rewards structure. Therefore, specific 2026 reward details cannot be extracted.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Card details not found
Transfer Partners: N/A - Card details not found
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 740 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Synchrony Luxury Credit Card requires an excellent credit score (typically FICO 720+), a stable and sufficient income, and a clean credit history with no recent bankruptcies or severe delinquencies. A prior relationship or purchase history with the associated luxury retailer may also be a soft requirement. The welcome bonus typically offers a significant statement credit or points (e.g., $500 statement credit or 50,000 points) after spending $5,000 within the first 6 months of account opening. All bonus redemptions and ongoing rewards are subject to store-specific restrictions and are primarily redeemable at the associated luxury retailer.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 6 months
Shutdown Risk Triggers: Manufactured spending, excessive returns, high cumulative credit limit across all Synchrony accounts, rapid application for multiple Synchrony cards, failure to make timely payments, high credit utilization, or suspected abuse of store-specific benefits/promotions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Users appreciate the ease of approval for many store-branded cards, often with good promotional financing offers and store-specific rewards/discounts. Many find them useful for building credit.
Top Negative Feedback:
Common complaints include issues with customer service, high standard APRs after promotional periods, and limited utility outside of the specific store for which the card is issued.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Amazon Store Card (Synchrony)
- Capital One Platinum Credit Card
- Discover it Secured Credit Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 95% Store/Co-brand / 5% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 05/15/2024 00:00