Synchrony Plus World Mastercard®

Synchrony Mastercard World Pending

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13

Benefits

1

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: synchrony-plus-world-mastercard

Issuer: Synchrony

Card Name: Synchrony Plus World Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: World

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:03

Last Scraped: Feb 05, 2026 13:05

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers financial assistance to eligible Servicemembers and their dependents under the Servicemembers Civil Relief Act (SCRA), including an interest rate cap of 6% on certain pre-service obligations.

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Other Purchases 2x Cash Back Earns 2% cash back on every purchase, everywhere Mastercard is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 13 Total
PENDING
Dining 2
DoorDash Discounts
Discounts

Access to discounts on food delivery orders through DoorDash.

HelloFresh Discounts
Discounts

Access to discounts on meal kit subscriptions through HelloFresh.

Entertainment 2
Fandango Discounts
Discounts

Access to discounts on movie tickets through Fandango.

Peacock Discounts
Discounts

Access to discounts on the Peacock streaming service.

Lifestyle 1
Priceless Experiences

Access to unique experiences and offers in cities around the world, curated exclusively for Mastercard cardholders.

Purchase Protection 1
Cell Phone Protection
Up to $1,000 per year ($600 per claim, 2 claims per year)

Provides coverage for your cell phone if it is stolen or damaged. Requires paying your monthly cell phone bill with your Synchrony World Mastercard. A $50 deductible applies per claim.

Security 3
Zero Liability Protection

Protects you from unauthorized purchases made with your card.

Mastercard ID Theft Protection

Monitors your identity and provides resolution services if identity theft occurs.

Mastercard Global Service
24/7 assistance

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

Shopping 2
ShopRunner Membership
Free membership

Provides free 2-day shipping and free returns at participating online stores.

Instacart Discounts
Discounts

Access to discounts on grocery delivery orders through Instacart.

Travel 2
Mastercard Airport Concierge

Provides personal airport meet and greet services at over 450 airports worldwide, including assistance with luggage, fast-tracking through security, and lounge access.

Lyft Discounts
Discounts

Access to discounts on rides through Lyft.

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
Effective Annual Fee: $0.00
Additional Fees
PENDING
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Balance Transfer APR: 31.24%

Cash Advance APR: 31.24%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval for the World Mastercard tier typically requires a good to excellent credit score (generally FICO 670+). Application Rule: Synchrony evaluates an applicant's overall credit profile, recent credit inquiries, and existing credit exposure with Synchrony Bank. Approval is subject to Synchrony's internal underwriting criteria, which may include a review of the number of recently opened accounts and total credit limits across all Synchrony products. Bonus Rule (Example for 2026): Earn a $100 statement credit after spending $1,000 on eligible purchases within the first 3 months of account opening.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, rapid application for multiple Synchrony cards, excessive credit limit increase requests, manufactured spending (e.g., buying gift cards to meet spend), abuse of promotional financing offers (e.g., consistently carrying large balances on 0% APR offers without making significant payments), defaulting on any Synchrony account or other credit obligations, suspicious transaction patterns inconsistent with typical spending.

Cliff Effect Rules: Synchrony manages total credit exposure across all accounts. While there isn't a strict 'cliff' for sign-up bonuses like some other issuers, approval for new cards or credit limit increases can be negatively impacted by a high number of existing Synchrony accounts, high total credit limits, or high utilization on existing Synchrony lines. Bonuses are generally available per account, but overall relationship health and credit exposure are key factors in future approvals.

Special Events: Frequent promotional financing offers (e.g., 0% APR for 6, 12, 18, or 24 months on qualifying purchases), exclusive discounts or bonus rewards during specific sales events (e.g., 'Spend $X, get $Y off' or 'Earn 5% back on all purchases this week'), special cardholder-only shopping days or early access to sales.

Holiday Promos: Black Friday/Cyber Monday (November-December), Christmas/Holiday Season (December), Memorial Day (May), 4th of July (July), Labor Day (September), Back-to-School (August-September).

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Widely accepted, offers fraud protection, potential for partner-specific rewards, good for building credit for some users.

Top Negative:
High interest rates, inconsistent customer service, low initial credit limits, difficulty with credit limit increases, often associated with store cards.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Rewards Credit Card
  • Discover it® Secured Credit Card
  • Chase Freedom Rise℠

Card Value Score: 60.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: October 2023