16
Benefits1
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: synchrony-premier-world-mastercard
Issuer: Synchrony
Card Name: Synchrony Premier World Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier: World
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| All Other Purchases | 2x | Cash Back | On every purchase, everywhere, every day. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 2x
Bonus Rate: 2x
Categories: All Purchases
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Point Value: 0.01¢
Transfer Partners: None
Redemption Penalties: None
Benefits & Protections (Detailed) 16 Total
PENDINGAirport Access 1
Mastercard Airport Concierge
Discounted airport meet & greet serviceAccess to a personal, dedicated meet and greet agent to assist cardholders through the airport, available at over 450 airports worldwide. This service is typically offered at a discount.
Financial 2
No Annual Fee
$0 annual feeThe card does not charge an annual fee for card membership.
No Foreign Transaction Fees
0% foreign transaction feeNo fees are charged on purchases made outside of the United States.
Lifestyle 2
Concierge Service
24/7 personal assistanceProvides 24/7 personalized assistance for a variety of needs, including travel planning, restaurant reservations, event tickets, and shopping assistance.
Mastercard Priceless Experiences
Access to exclusive experiences and offersAccess to unique experiences and special offers in cities around the world, including dining, entertainment, sports, and travel.
Purchase Protection 2
Extended Warranty
Up to 1 additional year of warrantyDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when the item is purchased with the card.
Purchase Protection
Coverage for stolen or damaged purchasesReimburses cardholders for eligible items purchased with the card that are stolen or damaged within a specified period (e.g., 90-120 days) from the date of purchase.
Rewards 1
2% Cash Back on All Purchases
2% cash backEarn 2% cash back on every eligible purchase made with the card, everywhere, every time.
Security 2
ID Theft Protection
Identity theft monitoring and resolution servicesProvides access to a suite of identity theft resolution services, including monitoring, alerts, and expert assistance to help restore identity if it is compromised.
Zero Liability Protection
Protection against unauthorized transactionsProtects cardholders from unauthorized purchases made with their Mastercard, ensuring they are not held responsible for fraudulent transactions.
Travel Assistance 2
Mastercard Global Service
24/7 emergency assistanceProvides 24/7 emergency assistance for card-related needs, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.
Roadside Assistance
Referral service for roadside assistanceProvides a referral service for emergency roadside assistance services such as towing, jump-starting, tire changing, and fuel delivery. Cardholders are responsible for the cost of services obtained.
Travel Insurance 4
Car Rental Collision Damage Waiver
Secondary coverage for rental car damage/theftProvides secondary coverage for physical damage and theft of most rental vehicles when the eligible rental car is paid for with the card and the rental company's collision damage waiver is declined.
Travel Accident Insurance
Coverage for accidental death/dismembermentProvides coverage for accidental death or dismemberment while traveling on a common carrier when the entire fare has been charged to the card.
Baggage Delay Insurance
Reimbursement for essential items due to delayed baggageReimburses cardholders for the cost of essential items purchased when checked luggage is delayed by a common carrier.
Trip Cancellation/Interruption Insurance
Reimbursement for non-refundable trip expensesReimburses cardholders for non-refundable passenger fares if a trip is canceled or interrupted for covered reasons when the entire fare has been charged to the card.
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
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING20,000
Points/MilesRequirement: Spend $1,500 in 90 days
Timing: Bonus points typically post to your account within 1-2 billing cycles after the spending requirement is met.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: 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.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony generally enforces a 'one bonus per product' rule, meaning you are typically ineligible for a sign-up bonus on the same specific card product if you have received one recently (e.g., within the last 24-48 months). There are no complex 'card family' or 'ecosystem' rules that prevent earning bonuses on different, distinct Synchrony products, unlike some prime issuers.
Special Events: While the Synchrony Premier World Mastercard is a general-purpose credit card, Synchrony, as a prominent issuer of store-specific credit cards, frequently offers special financing, deferred interest promotions, and bonus reward events tied to its various retail partners. These events are typically advertised directly by the respective retail brand and may include 0% APR for extended periods on qualifying purchases or enhanced reward rates during specific promotional windows.
Holiday Promos: Synchrony often aligns promotions with major retail holidays and seasonal sales events. These commonly include Black Friday/Cyber Monday (November-December), Presidents' Day (February), Memorial Day (May), Fourth of July (July), Labor Day (September), and various back-to-school or end-of-year clearance periods.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
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:
Some users report issues with Synchrony Bank's customer service; the card lacks a sign-up bonus or introductory APR offers.
Approval Experience: 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
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023