Synchrony Premier World Mastercard®
Basic Information
Program ID: synchrony-premier-world-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: World
Data Complete: Yes
Created: 01/07/2026 18:15
Last Scraped: 01/15/2026 07:52
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 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: $20,000.00
Spending Requirement: $1,500.00
Time Period: 90 days
Bonus Timing: Bonus points typically post to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 2.00%
Bonus Reward Rate: 2.00%
Bonus Categories: All Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
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: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Synchrony Premier World Mastercard in 2026 typically requires good to excellent credit (FICO score generally 670+), being 18 years or older, a U.S. resident, and possessing a valid Social Security Number or ITIN. Applicants should not have received a sign-up bonus for this specific card product within the last 24-48 months. The projected sign-up bonus for 2026 is an assumed $200 cash back after spending $1,500 on purchases within the first 3 months of account opening.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment app loads), high cumulative credit limit across all Synchrony accounts, sudden drastic changes in spending patterns (especially after meeting a bonus), prolonged account inactivity followed by large purchases, repeated balance transfers without new spending, suspected fraudulent activity, or multiple applications for Synchrony products in a short period.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Simple and straightforward 2% cash back on all purchases with no annual fee, making it excellent for everyday spending without tracking bonus categories.
Top Negative Feedback:
Some users report issues with Synchrony Bank's customer service; the card lacks a sign-up bonus or introductory APR offers.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- PayPal Cashback Mastercard
- Fidelity Rewards Visa Signature Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $400.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023