Synchrony Preferred Mastercard
Basic Information
Program ID: synchrony-preferred-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:05
Last Scraped: 01/15/2026 13:07
Fee Structure
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% 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
Intro Purchase APR: 0.00%
Sign-Up Bonus
Bonus Timing: The 'Synchrony Preferred Mastercard' could not be located on the specified URL (https://www.synchrony.com/financing/synchrony-mastercards). This page primarily lists co-branded Synchrony Mastercards issued in partnership with various retailers, and a generic 'Synchrony Preferred Mastercard' is not presented as a standalone product here.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.02%
Bonus Categories: 2% Dining, 2% Gas
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back does not expire as long as the account is open and in good standing.
Transfer Partners: N/A
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: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: The Synchrony Preferred Mastercard typically does not offer a sign-up bonus. Eligibility generally requires a fair to good credit score (e.g., FICO 640+), stable income, and a low debt-to-income ratio. Applicants must be 18 years or older, a U.S. resident, and possess a Social Security Number or ITIN. Existing Synchrony customers with a positive payment history on store-specific cards may find an easier approval path or be offered an upgrade. Applications are typically online, with instant decisions often available. Multiple applications within a short timeframe (e.g., 6 months) may lead to denials due to Synchrony's sensitivity to recent credit inquiries.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: N/A - No sign-up bonus typically offered.
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Synchrony accounts, excessive credit seeking (especially within 6-12 months), repeated late payments, defaulting on other Synchrony accounts, suspected fraud, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
No annual fee, simple 1% cash back on all purchases, widely accepted, useful for building credit, access to FICO score.
Top Negative Feedback:
Limited rewards compared to other cards, potential for lower credit limits, customer service experiences can be inconsistent.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Discover it Cash Back
- Capital One Quicksilver
Card Value Score: 65.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 54 months
Store vs Co-brand: 40% General / 60% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0