17
Benefits4
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Virgin Purchases | 3x | Points | Eligible purchases made directly with Virgin Red and participating Virgin companies. | No Cap | |
| Travel | 2x | Points | Eligible travel purchases, including airlines, hotels, car rentals, cruise lines, travel agencies, and more. | No Cap | |
| Dining | 2x | Points | Eligible dining purchases, including restaurants, bars, and fast food. | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases not falling into higher earning categories. | No Cap |
Rewards Summary
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Benefits & Protections (Detailed) 17 Total
PENDINGAirport Access 1
Mastercard Airport Concierge™
Access to serviceAccess to a personal, dedicated meet and greet agent at over 450 airports worldwide, assisting with arrivals, departures, and connections. Service fees apply for the actual concierge service.
Lifestyle 2
Mastercard Concierge
24/7 personal assistanceProvides 24/7 personal assistance for travel planning, dining reservations, event tickets, and other lifestyle needs.
Priceless® Experiences
Exclusive accessAccess to unique experiences and offers in cities around the world, curated exclusively for Mastercard cardholders.
Purchase Protection 2
Purchase Protection
Up to $1,000 per claim, $10,000 per 12-month periodReimburses for eligible items that are stolen or accidentally damaged within 90 days of purchase when purchased with the card.
Extended Warranty Protection
Up to $10,000 per claim, doubles warranty up to 1 yearExtends eligible manufacturer's warranties for up to one additional year on items purchased with the card, for warranties of one year or less.
Rewards 3
Virgin Points Earning - Virgin Purchases
3 points per $1Earn 3 Virgin Points for every $1 spent on eligible Virgin purchases, including Virgin Atlantic, Virgin Hotels, Virgin Voyages, and other Virgin companies.
Virgin Points Earning - Other Purchases
1 point per $1Earn 1 Virgin Point for every $1 spent on all other eligible purchases.
Welcome Bonus Points
10,000 bonus pointsEarn 10,000 bonus Virgin Points after spending $1,000 on eligible purchases within the first 90 days of account opening.
Security 2
Mastercard ID Theft Protection™
Comprehensive protectionProvides identity theft monitoring, alerts, and resolution services to help detect and resolve identity theft incidents.
Cell Phone Protection
Up to $600 per claim, $1,000 per 12-month periodCovers eligible cell phones against damage or theft when the monthly cell phone bill is paid with the card. A $50 deductible applies per claim. Limited to two claims per 12-month period.
Travel 2
No Foreign Transaction Fees
0% foreign transaction feeAvoid additional fees on purchases made outside the United States.
Travel Assistance Services
24/7 assistanceProvides a suite of services for travelers, including pre-trip assistance, medical and legal referrals, and emergency cash advances, available 24/7.
Travel Insurance 5
Travel Accident Insurance
Up to $250,000Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with the card.
Trip Cancellation/Interruption Insurance
Up to $1,500 per insured person, $5,000 per tripReimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons, such as illness or severe weather, when the trip is purchased with the card.
Baggage Delay Insurance
Up to $100 per day for 3 days, $300 totalReimburses for the purchase of essential items, such as toiletries and clothing, when checked baggage is delayed by a common carrier for a specified period.
Lost Luggage Insurance
Up to $3,000 per tripReimburses for the value of lost or stolen checked or carry-on baggage and its contents when traveling on a common carrier and the tickets were purchased with the card.
Rental Car Collision Damage Waiver
Secondary coverageProvides secondary coverage for physical damage and theft of most rental vehicles when the eligible rental is paid for with the card and the rental company's collision damage waiver (CDW) is declined.
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
Sign-Up Bonus
PENDING15,000
Points/MilesRequirement: Spend $1,000 in 90 days
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 30.24%
Balance Transfer APR: 26.24%
Cash Advance APR: 30.24%
Intro APR Offers
Intro Purchase APR: 0% for 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, eligibility for the Virgin Red Rewards Mastercard from Synchrony requires applicants to be U.S. residents, 18 years or older (19 in AL/NE), possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria, typically requiring good to excellent credit. New cardholders are generally eligible for a one-time welcome bonus, such as 20,000 Virgin Points after spending $1,000 within the first 90 days of account opening. This bonus is typically not available to applicants who have previously held the Virgin Red Rewards Mastercard or received a welcome bonus for it within a certain timeframe (e.g., 24 months).
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not typically have 'card family' rules that prevent earning bonuses on different products. However, approval for new cards, especially general-purpose Mastercards, is heavily influenced by the applicant's total credit exposure with Synchrony. Reaching a high cumulative credit limit across existing Synchrony accounts can lead to denials for new applications or credit limit reductions on existing cards, effectively creating a 'cliff' for further credit acquisition with the issuer.
Special Events: Not applicable; this is a general-purpose co-branded Mastercard, not a store-specific card tied to a single retail chain's promotional events.
Holiday Promos: Not a primary issuer rule for this card type. Any holiday promotions would typically be driven by the Virgin Red loyalty program or general Mastercard offers, rather than specific Synchrony issuer-level holiday events.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Excellent for earning Virgin Points, especially for frequent Virgin travelers. Good sign-up bonus and useful travel benefits.
Top Negative:
Customer service can be inconsistent. APRs are often high. Redemption options are limited to Virgin Red program.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred
- Capital One Venture X
- Delta SkyMiles Gold American Express Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $375.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: Mar 01, 2024 00:00