MaxPass Mastercard
Basic Information
Program ID: synchrony-maxpass-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:52
Last Scraped: 01/15/2026 08:35
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: 2,124.00% - 2,924.00%
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: $10,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically awarded within 6-8 weeks after the spending requirement is met and appear on your statement.
Rewards Program
Reward Type: N/A - Card Program Discontinued
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The Disney MaxPass service was discontinued on October 19, 2021. Consequently, any associated credit card reward program, if it existed, would also be defunct. There are no active reward details for a 'Synchrony MaxPass Mastercard' for January 2026.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Card Program Discontinued
Transfer Partners: N/A - Card Program Discontinued
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
Travel Benefits
- Travel Insurance
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: For 2026, the Synchrony MaxPass Mastercard is expected to maintain Synchrony's standard application and bonus rules. Eligibility typically requires a good to excellent credit score (FICO 670+), U.S. residency, and a valid SSN/ITIN. Applicants must be 18 years or older. Synchrony is known to be sensitive to recent credit inquiries and new account openings, especially within the last 6-12 months, and may have internal limits on the number of Synchrony accounts opened within a specific timeframe (e.g., 2-3 new accounts in 12-24 months). Approval is also contingent on overall credit profile, debt-to-income ratio, and existing Synchrony credit exposure. If a sign-up bonus is offered, it will typically require meeting a specified spending threshold within the initial months of account opening.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), bust-out behavior (maxing out credit and not paying), high credit utilization across multiple Synchrony accounts, frequent balance transfers between Synchrony cards, consistent late payments, excessive credit seeking (too many applications in a short period), opening and rapidly closing multiple Synchrony accounts, and unusual spending patterns inconsistent with stated income or typical card use.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy approval for store discounts, good promotional financing offers, useful for frequent shoppers at partner stores.
Top Negative Feedback:
High APR, limited use outside partner stores, frequent complaints about customer service, low initial credit limits.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne
- Discover it Secured
- Petal 2 Visa Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 60% General / 40% MaxPass Partner
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0