Synchrony Premier World Mastercard®

Synchrony Mastercard World Mastercard Pending

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Basic Information
PENDING

Program ID: synchrony-project-card

Issuer: Synchrony

Card Name: Synchrony Premier World Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: World Mastercard

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:10

Last Scraped: Feb 15, 2026 16:30

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Servicemembers Civil Relief Act (SCRA) and offers reduced interest rates for eligible service members on their credit card accounts.

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed)
No Card Benefits Available

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Benefits Summary (Flags)
PENDING

Extended 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
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers

Promo Financing: Deferred Interest

⚠️ With deferred interest promotions, interest is calculated from the purchase date but is only charged to your account if the promotional balance is not paid in full by the end of the promotional period. If you pay off your promotional balance in full by the end of the promotional period, you pay no interest. If you do not pay off your promotional balance in full by the end of the promotional period, all of the accrued interest will be added to your account.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Supported
Application Process
Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The 'synchrony-project-card' for 2026 is anticipated to be a store-branded or co-branded retail credit card, consistent with Synchrony's primary business model. **Application Eligibility (2026 Projection):** * Must be a U.S. resident, 18 years or older (19 in AL and NE, 21 in PR). * Possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). * Meet Synchrony's internal credit criteria, typically requiring a fair to good credit score (e.g., FICO 640+), though some Synchrony products may approve lower scores. Approval is also contingent on not having excessive recent Synchrony account openings or a high cumulative credit limit across existing Synchrony accounts. * Must not have defaulted on previous Synchrony accounts. **Bonus Rule (2026 Projection):** * Expected to offer a one-time incentive, such as a percentage discount on the first purchase made within a specified timeframe (e.g., 15-25% off up to a maximum dollar amount) or a fixed statement credit after the first purchase. Traditional spend-based sign-up bonuses are less common for core Synchrony store cards but may apply to co-branded versions.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for first-purchase discounts; typically 3 months for spend-based bonuses if offered.

Shutdown Risk Triggers: Manufactured spending (MS), rapid accumulation of multiple Synchrony credit accounts, high credit utilization across all Synchrony cards, unusual spending patterns inconsistent with the card's intended use (especially for store cards), payment defaults on any Synchrony product, or exceeding Synchrony's internal cumulative credit exposure limits.

Cliff Effect Rules: Synchrony does not typically operate with 'card families' or 'cliff effects' in the same manner as some major issuers. Bonuses are generally tied to specific card products, and there are no widespread restrictions on earning bonuses based on prior ownership of other Synchrony-issued cards, as each store card is largely treated as a distinct partnership product.

Special Events: Synchrony store cards frequently feature special financing offers (e.g., 0% APR for 6, 12, 18, or 24 months on qualifying purchases), exclusive cardholder discounts, early access to sales events, and bonus reward opportunities tied to specific retail partner promotions.

Holiday Promos: Expect enhanced financing offers, increased reward rates, or special discounts during major retail holidays such as Black Friday, Cyber Monday, Christmas, Memorial Day, Labor Day, and other seasonal sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval for fair credit, useful promotional financing offers, good for specific store purchases, helps build credit history.

Top Negative:
High interest rates after promotional periods, issues with deferred interest, inconsistent customer service, difficulties with credit limit increases, reports of account closures.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Discover it Secured Credit Card
  • Petal 2 Visa Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $65.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0