Synchrony Plus World Mastercard®

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Basic Information

Program ID: synchrony-plus-world-mastercard

Issuer: Synchrony

Card Type: Credit

Network: Mastercard

Card Tier: World Mastercard

Data Complete: Yes

Created: 01/15/2026 13:03

Last Scraped: 01/15/2026 13:05

Fee Structure
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 2,999.00%
Interest Rates

Purchase APR Range: 2,124.00% - 2,924.00%

Intro Purchase APR: 0.00%

Intro APR Duration: 12 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: $150.00

Spending Requirement: $1,000.00

Time Period: 90 days

Bonus Timing: Statement credit typically posts to your account within 1-2 billing cycles (approximately 6-8 weeks) after the spending requirement is met.

Rewards Program

Reward Type: Points

Base Reward Rate: 1.00%

Bonus Reward Rate: 3.00%

Bonus Categories: 3x Dining

Point Value Estimate: 0.0100 cents/point

Expiration Policy: Points do not expire as long as account is active

Transfer Partners: None

Card Benefits
Protection Benefits
  • Extended Warranty
  • Purchase Protection
  • Cell Phone Protection
  • Price Protection
Travel Benefits
  • Travel Insurance
  • Primary Rental Protection
  • Trip Delay Coverage
  • Lost Luggage Coverage
  • No Foreign Transaction Fees
Premium Benefits
  • Airport Lounge Access
  • Concierge Service
  • Global Entry Credit: $0.00
  • TSA PreCheck Credit: $0.00
Approval Criteria

Recommended FICO Range: 700 - 800

Approval Odds Category: Good

Pre-qualification Available

Soft Pull Supported

Hard Pull Bureau: Experian, TransUnion, Equifax

Issuer Rules

Rules: New cardholders can earn a one-time bonus of $200 statement credit after spending $1,500 on eligible purchases within the first 3 months of account opening. Applicants must have good to excellent credit (typically FICO 670+), a stable income, and be a U.S. resident. Existing Synchrony cardholders may be subject to additional review based on their current credit limits and payment history. While a general-purpose card, benefits or specific offers may be tied to Synchrony's retail partners, reflecting the issuer's store-card heritage. Eligibility for this card may be impacted by the number of existing Synchrony accounts and total credit exposure.

Maximum Cards Per Issuer: 4

Minimum Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (multiple applications in a short period), high cumulative credit limit across all Synchrony accounts, inactivity on accounts, defaulting on other Synchrony accounts, or suspected fraud.

International Friendly

User Analytics & Insights
User Ratings

Average Rating: 3.2 / 5.0

Top Positive Feedback:
Simple 1% cash back rewards, no annual fee, relatively easy approval for those with good credit, good for general spending.

Top Negative Feedback:
Low credit limits, frequent complaints about Synchrony's customer service, online account management issues, not competitive with higher cash back cards.

Approval Experience Score: 70.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash Card
  • Capital One Quicksilver Rewards Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $150.00

User Portfolio Metrics

Avg Portfolio Size: 3 cards

Avg Portfolio Age: 60 months

Store vs Co-brand: 90% General / 10% Store

Risk Assessment

Default Risk Group: Low

Predicted Approval Probability: 85.0%

Terms Version Control

Version ID: October 2023