20
Benefits1
Reward Categories1x
Max Reward—
APR FromBasic Information
PENDINGProgram ID: synchrony-preferred-mastercard
Issuer: Synchrony
Card Name: Synchrony Preferred Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier: Preferred
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony offers benefits and protections under the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA). SCRA benefits include an interest rate reduction to 6% on eligible accounts opened before active duty. MLA benefits include an interest rate cap of 36% on covered transactions for eligible accounts.
Rewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| All Other Purchases | 1x | Cash Back | Earns cash back on every purchase, everywhere Mastercard is accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1x
Quarterly Rotating: No
Expiration Policy: Rewards do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 20 Total
PENDINGDining 2
DoorDash Discounts
Discounts on DoorDash ordersAccess to discounts on DoorDash food delivery orders.
HelloFresh Discounts
Discounts on HelloFresh subscriptionsAccess to discounts on HelloFresh meal kit subscriptions.
Entertainment 1
Fandango Discounts
Discounts on movie ticketsAccess to discounts on movie tickets through Fandango.
Financial 1
No Annual Fee
No annual feeThe Synchrony Preferred Mastercard does not charge an annual fee for card ownership.
Insurance 1
Cell Phone Protection
Up to $600 per claim, 2 claims per 12-month periodCovers eligible cell phone damage or theft when you pay your monthly cell phone bill with your World Mastercard. A deductible may apply.
Lifestyle 2
Priceless® Experiences
Exclusive experiences and offersAccess to unique experiences and exclusive offers in cities around the world.
Mastercard Golf
Exclusive golf benefitsAccess to exclusive golf benefits and experiences.
Rewards 1
1% Cash Back
1% cash backEarn 1% cash back on every qualifying purchase made with your Synchrony Preferred Mastercard.
Security 3
Mastercard ID Theft Protection™
Identity monitoring and resolution servicesMonitors your identity, sends alerts if suspicious activity is detected, and provides resolution services if your identity is compromised.
Zero Liability Protection
Protection against unauthorized purchasesProtects you from unauthorized purchases made with your card if it is lost or stolen, provided you report it promptly.
Global Service
Worldwide emergency assistanceProvides emergency assistance services worldwide, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.
Shopping 2
ShopRunner Membership
Free ShopRunner membershipComplimentary ShopRunner membership providing free 2-day shipping and free returns at participating online stores.
Instacart Discounts
Discounts on Instacart ordersAccess to discounts on Instacart grocery delivery orders.
Travel 3
Travel & Lifestyle Services
Concierge serviceAccess to a dedicated concierge service for assistance with travel planning, dining reservations, event tickets, and more.
Airport Concierge
Access to airport concierge servicePersonal meet-and-greet service at over 450 airports worldwide, assisting with baggage, customs, and connections. Service fees may apply.
Lyft Discounts
Discounts on Lyft ridesAccess to discounts on Lyft rides.
Travel Insurance 4
Travel Accident Insurance
Up to $250,000Covers you and your eligible family members for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with your World Mastercard.
Baggage Delay Insurance
Up to $100 per day for 3 daysReimburses you for the cost of essential items when your checked baggage is delayed by a common carrier.
Trip Cancellation/Interruption Insurance
Up to $1,500 per tripReimburses non-refundable travel expenses if a trip is cancelled or interrupted for covered reasons, such as illness or severe weather.
Car Rental Collision Damage Waiver
Secondary coverage for rental car damage/theftProvides secondary coverage for damage or theft of an eligible rental vehicle when you pay for the rental with your World Mastercard and decline the rental company's collision damage waiver. Certain exclusions apply.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance 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
PENDINGStandard APR
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Synchrony Preferred Mastercard is a general-purpose credit card. Eligibility typically requires a good to excellent credit score (FICO 670+), being at least 18 years old, a U.S. resident, and possessing a valid Social Security Number or ITIN. For 2026, a common sign-up bonus structure is anticipated to be a modest cash back or statement credit offer, such as '$100 back after spending $1,000 within the first 3 months of account opening.' This card is often targeted at individuals seeking a reliable Mastercard with Synchrony, potentially as a stepping stone or for general everyday use.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' cliff effects like some other issuers. However, they do manage overall credit exposure. Applying for multiple Synchrony cards, including store-specific cards, can lead to credit limit reallocations or denials for new applications if your total credit extended by Synchrony is deemed too high relative to your income and credit profile. There are no specific rules preventing you from earning bonuses on different Synchrony products, but overall exposure is a key factor.
Special Events: Not applicable. The Synchrony Preferred Mastercard is a general-purpose Mastercard, not a store-specific co-branded card, and therefore does not participate in store-specific special events or promotions.
Holiday Promos: Not typically applicable. As a general-purpose Mastercard, this card does not usually have specific 'holiday promo periods' in the way store-branded cards might. Any promotions would generally be ongoing or short-term issuer-wide offers, rather than seasonal holiday events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy application process, widely accepted, good for building credit, decent basic rewards.
Top Negative:
High APR, limited premium benefits, customer service can be slow, low credit limits initially.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Rewards Credit Card
- Discover it® Secured Credit Card
- Citi Double Cash® Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $120.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0