17
Benefits2
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: virgin-red-rewards-world-elite-mastercard
Issuer: Synchrony
Card Name: Virgin Red Rewards World Elite Mastercard
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank provides benefits under the Servicemembers Civil Relief Act (SCRA) for active duty servicemembers and their dependents.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Virgin Atlantic Purchases | 3x | Points | Eligible purchases made directly with Virgin Atlantic, such as flights and Virgin Atlantic Holidays. | No Cap | |
| All Other Purchases | 1.5x | Points | All other eligible purchases where Mastercard is accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x Virgin Atlantic purchases, Virgin Voyages, Virgin Hotels; 2x Dining, Groceries
Quarterly Rotating: No
Expiration Policy: Your Virgin Points do not expire as long as your Virgin Red account remains open and in good standing, and you have earned or redeemed points at least once every 24 months.
Benefits & Protections (Detailed) 17 Total
PENDINGDining 1
DoorDash Benefits
Varies (e.g., complimentary DashPass, statement credits)Eligible cardholders may receive benefits such as a complimentary DashPass membership for a limited time and/or statement credits on DoorDash orders. Specifics vary by Mastercard program year.
Lifestyle 2
Concierge Service
N/A (service)Provides personalized assistance for travel planning, dining reservations, event tickets, and other requests.
Priceless® Experiences
Varies by offerAccess 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, up to $50,000 per cardholder per year.Reimburses for eligible items purchased with the Virgin Red Rewards World Elite Mastercard that are stolen or accidentally damaged within 90 days of purchase.
Extended Warranty
Up to $10,000 per claim, up to $50,000 per cardholder per year.Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases made with the Virgin Red Rewards World Elite Mastercard.
Security 3
Cell Phone Protection
Up to $1,000 per claim, maximum of 2 claims per 12-month period, with a $50 deductible per claim.Reimburses eligible cardholders for damage to or theft of a cell phone. To be eligible, the cardholder must pay their monthly cell phone bill with their Virgin Red Rewards World Elite Mastercard. A deductible applies per claim.
Mastercard ID Theft Protection™
N/A (service)Provides identity theft resolution services, including monitoring for suspicious activity, alerts, and assistance with restoring identity. This service helps detect and resolve identity theft issues.
Zero Liability Protection
N/A (protection)Protects cardholders from unauthorized purchases made with their Virgin Red Rewards World Elite Mastercard. Cardholders are not held responsible for unauthorized transactions.
Shopping 1
ShopRunner Membership
N/A (service)Complimentary ShopRunner membership, providing free 2-day shipping and free returns at participating online retailers.
Travel 1
Lyft Benefits
Varies (e.g., $10 credit after 5 rides in a month)Eligible cardholders may receive a statement credit after taking a certain number of Lyft rides in a month when paying with their Virgin Red Rewards World Elite Mastercard. Specifics vary by Mastercard program year.
Travel Insurance 7
Mastercard Global Service™
N/A (service)Provides emergency assistance services anytime, anywhere, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.
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 Virgin Red Rewards World Elite Mastercard.
Trip Cancellation/Interruption Insurance
Up to $1,500 per person, up to $5,000 per tripReimburses non-refundable travel expenses if a trip is canceled or interrupted for covered reasons, such as illness or severe weather, when the trip is purchased with the Virgin Red Rewards World Elite Mastercard.
Trip Delay Insurance
Up to $500 per tripReimburses for reasonable additional expenses incurred when a common carrier trip is delayed for a covered reason (e.g., 6+ hours or requiring an overnight stay) when the trip is purchased with the Virgin Red Rewards World Elite Mastercard.
Baggage Delay Insurance
Up to $100 per day for 3 daysReimburses for the purchase of essential items when checked luggage is delayed by a common carrier for a covered reason (e.g., 4+ hours) when the ticket is purchased with the Virgin Red Rewards World Elite Mastercard.
Lost Luggage Insurance
Up to $3,000 per covered personReimburses for the actual cash value of lost or stolen checked or carry-on luggage and its contents when the ticket is purchased with the Virgin Red Rewards World Elite Mastercard.
Rental Car Collision Damage Waiver (CDW)
N/A (covers damage/theft up to vehicle's cash value)Provides secondary coverage for physical damage and theft of most rental vehicles when the rental is paid for with the Virgin Red Rewards World Elite Mastercard and the rental company's 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
Timing: Bonus Virgin Points will be applied to your Virgin Red account within 6-8 weeks after you meet the spend requirement.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User 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 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% - 33.24%
Cash Advance APR: 33.24%
Intro APR Offers
Intro Purchase APR: 0% for 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Virgin Red Rewards World Elite Mastercard typically requires good to excellent credit (FICO score generally 670+), being at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident with a valid SSN or ITIN, and demonstrating sufficient income to manage credit obligations. Synchrony is sensitive to recent credit inquiries and overall credit exposure when evaluating applications. The standard sign-up bonus rule is to earn a specified number of Virgin Points after spending a certain amount within the first 3 months of account opening (e.g., 'Earn 20,000 Virgin Points after spending $1,000 in the first 90 days').
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not have specific 'card family' bonus eligibility rules like some other issuers. However, approval for new Synchrony cards, including additional Virgin Red cards if offered, is heavily influenced by the total number of existing Synchrony accounts and the cumulative credit limit extended by Synchrony to the applicant. Exceeding an unstated internal credit exposure limit can lead to automatic denials for new applications, effectively creating a 'cliff' for further credit with the issuer.
Special Events: While not a traditional store card, the Virgin Red program may offer special point bonuses or redemption events tied to Virgin Red partners or specific travel periods. Synchrony itself may offer general cardholder promotions during major shopping seasons, though these are less common for co-branded travel cards.
Holiday Promos: Potential for Virgin Red program-specific bonus point offers or redemption discounts during major holiday seasons (e.g., Black Friday, Cyber Monday, end-of-year holidays) or during peak travel booking periods. Synchrony may also run general balance transfer or financing promotions during these times.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Excellent rewards for frequent Virgin Atlantic flyers, valuable companion pass and status boost opportunities, generous sign-up bonus, and good earning on everyday purchases.
Top Negative:
High foreign transaction fees make it unsuitable for international travel, Synchrony customer service can be frustrating, limited redemption options outside of Virgin Atlantic flights, and an annual fee without broad travel benefits.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- American Express Gold Card
- Capital One Venture X Rewards Credit Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $337.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0