MaxPass Mastercard®

Synchrony Mastercard Pending

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7

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: synchrony-maxpass-mastercard

Issuer: Synchrony

Card Name: MaxPass Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:52

Last Scraped: Feb 07, 2026 04:52

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony complies with the Servicemembers Civil Relief Act (SCRA), offering eligible servicemembers protections such as interest rate reductions on pre-service obligations and protection from default judgments.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
MaxPass.com Purchases 5x Cash Back Eligible purchases made at MaxPass.com No Cap
All Other Purchases 1x Cash Back All other purchases everywhere Mastercard is accepted No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 7 Total
PENDING
Emergency Services 1
Mastercard Global Service
24/7 emergency assistance

Provides 24/7 emergency assistance for card-related needs, including lost or stolen card reporting, emergency card replacement, and emergency cash advance.

Financing 1
0% APR Promotional Financing
0% APR for 6 months on purchases of $299+

Enjoy 0% APR for 6 months on purchases of $299 or more. Subject to credit approval.

Rewards 3
MaxPass Rewards Program - MaxPass Purchases
2 points per $1

Earn 2 points for every $1 spent on MaxPass purchases made with your MaxPass Mastercard.

MaxPass Rewards Program - General Purchases
1 point per $1

Earn 1 point for every $1 spent everywhere else Mastercard is accepted.

MaxPass Rewards Redemption
MaxPass rewards

Redeem earned points for MaxPass rewards.

Security 2
Mastercard Zero Liability Protection
Full protection against unauthorized purchases

Protects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for unauthorized transactions.

Mastercard ID Theft Protection
Identity monitoring and resolution services

Provides services to help detect and resolve identity theft, including identity monitoring, alerts, and resolution services.

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
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
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 & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Special Financing

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: For 2026, applicants for the Synchrony MaxPass Mastercard are expected to demonstrate a good to excellent credit history (typically FICO score 670+), stable income, and a manageable debt-to-income ratio. Existing Synchrony account holders may find the application process smoother, but approval is subject to overall credit exposure limits with Synchrony. Bonus Rules: Welcome bonuses are generally offered for new cardholders and are tied to an initial spending threshold within a specified timeframe, commonly 90-180 days from account opening (e.g., 'Earn $100 statement credit after spending $500 on eligible purchases within the first 90 days'). Specific bonus offers and their terms may vary by promotional period and application channel. Given the 'MaxPass' branding and 'store-specific restrictions,' bonus categories or accelerated rewards are typically concentrated on purchases made with the associated MaxPass merchant or network.

Max Cards Per Issuer: 5

Min Spend Interval: 3 to 6 months

Shutdown Risk Triggers: Manufactured spending (MS) activities, especially large or unusual gift card purchases; rapid accumulation of multiple Synchrony credit cards within a short period; high credit utilization across multiple Synchrony accounts; defaulting on other Synchrony accounts or accounts with other lenders; sudden, uncharacteristic spending patterns that trigger fraud alerts; abuse of promotional financing offers; high cumulative credit limit across all Synchrony products relative to income.

Cliff Effect Rules: Synchrony does not enforce strict 'card family' rules that prevent bonus eligibility based on holding other cards in a specific family. However, approvals for new Synchrony cards, and the credit limits offered, are heavily influenced by the number of existing Synchrony accounts, total credit exposure with Synchrony, and recent credit inquiries. A high number of existing Synchrony accounts or a large cumulative credit limit can lead to denials for new applications, effectively creating a 'cliff' for further credit access.

Special Events: Special financing offers (e.g., 0% APR for 6, 12, or 24 months on qualifying purchases over a certain amount made with the MaxPass merchant/network); exclusive cardholder-only discounts or early access to sales events at the MaxPass merchant/network; bonus rewards periods with elevated earning rates (e.g., 5x points instead of 2x) on specific categories or during promotional periods tied to the MaxPass merchant's sales calendar; potential for anniversary rewards or discounts.

Holiday Promos: Major retail holidays such as Black Friday/Cyber Monday (November-December), Christmas/New Year (December-January), Valentine's Day (February), Mother's Day (May), Father's Day (June), 4th of July (July), and Back-to-School (August-September). Additionally, seasonal sales events (Spring, Summer, Fall, Winter) often align with specific merchant promotions.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Accessible for fair credit scores, straightforward application process, useful for building credit history.

Top Negative:
High interest rates, basic reward structure, customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One Platinum Mastercard
  • Discover it Secured Card
  • Mission Lane Visa Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Jul 29, 2024 00:00