PayPal Cashback Mastercard
Basic Information
Program ID: synchrony-project-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 13:10
Last Scraped: 01/15/2026 13:12
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: | Either $10 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
Purchase APR Range: 2,124.00% - 2,999.00%
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: $200.00
Spending Requirement: $1,500.00
Time Period: 180 days
Bonus Timing: Typically within 1-2 billing cycles after the requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Home Improvement Stores, 3x Contractor Services, 2x Utilities
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the 'synchrony-project-card' typically requires applicants to be a U.S. resident, 18 years or older, possess a valid SSN or ITIN, and have a credit score ranging from fair to excellent, depending on the specific store partnership. Applicants should not be in default on any existing Synchrony accounts. Bonus rules are generally store-specific, often including a percentage discount on the first purchase (e.g., 20% off up to $100) or a statement credit after meeting a specific spend threshold within the initial months (e.g., $50 back after $500 spend in 90 days). These bonuses are usually restricted to purchases made at the co-branded store or its associated online platforms. Synchrony is sensitive to application velocity, and applying for multiple Synchrony-issued cards within a short timeframe (e.g., more than 2 in 6 months) may lead to denials.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Synchrony accounts, rapid application velocity (especially for multiple Synchrony cards), suspected reselling activities, unusual spending patterns inconsistent with the card's intended use (e.g., high volume of non-store purchases on a store card), defaulting on any Synchrony-issued account, or excessive credit cycling.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Easy approval for store cards, good for building credit, useful promotional financing offers, valuable store-specific discounts.
Top Negative Feedback:
High interest rates after promotional periods, poor customer service, payment processing issues, difficulty with credit limit increases and account closure.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Capital One Quicksilver
- Discover it Cash Back
- Citi Custom Cash
Card Value Score: 65.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 80% Store / 20% Co-brand
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 65.0%
Terms Version Control
Version ID: v1.0