Walgreens Credit Card

Synchrony Pending

Back Apply Now

10

Benefits

4

Reward Categories

10x

Max Reward

34%

APR From
Basic Information
PENDING

Program ID: walgreens-credit-card

Issuer: Synchrony

Card Name: Walgreens Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 11:14

Last Scraped: Feb 17, 2026 11:16

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Walgreens Branded Products 10x Cash Back Eligible Walgreens branded products purchased at Walgreens. No Cap
Walgreens Purchases 5x Cash Back All other eligible purchases at Walgreens. No Cap
Groceries & Health & Wellness 3x Cash Back Eligible grocery and health & wellness purchases made outside of Walgreens (Walgreens Mastercard only). No Cap
All Other Purchases 1x Cash Back All other eligible purchases made outside of Walgreens (Walgreens Mastercard only). No Cap
Rewards Summary
PENDING

Reward Type: Walgreens Cash rewards

Base Rate: 1x

Bonus Rate: 5x

Categories: 5% Walgreens Cash rewards on eligible Walgreens purchases, 3% Walgreens Cash rewards on eligible health & wellness purchases, 1% Walgreens Cash rewards on all other purchases

Quarterly Rotating: No

Expiration Policy: Walgreens Cash rewards expire one year after they are earned or if your account is inactive for six consecutive months.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Walgreens Cash rewards can only be redeemed at Walgreens stores or Walgreens.com. Minimum redemption of $1 (100 Walgreens Cash rewards) applies.

Benefits & Protections (Detailed) 10 Total
PENDING
Financial 2
No Annual Fee
$0

Neither the Walgreens Credit Card nor the Walgreens Mastercard charges an annual fee.

No Foreign Transaction Fees
$0

The Walgreens Mastercard does not charge foreign transaction fees on purchases made outside the United States.

Security 2
Mastercard Zero Liability Protection
Full protection

Protects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for unauthorized transactions.

Mastercard ID Theft Protection™
N/A (service)

Provides identity theft resolution services, including monitoring, alerts, and expert assistance, for eligible Mastercard cardholders.

Shopping 5
Walgreens Cash Rewards on Walgreens Brand Purchases (Store Card)
10%

Earn Walgreens Cash rewards on eligible Walgreens brand purchases made with the Walgreens Credit Card.

Walgreens Cash Rewards on Walgreens Brand Purchases (Mastercard)
10%

Earn Walgreens Cash rewards on eligible Walgreens brand purchases made with the Walgreens Mastercard.

Walgreens Cash Rewards on Health & Wellness Purchases at Walgreens
5%

Earn Walgreens Cash rewards on eligible health & wellness purchases made at Walgreens with the Walgreens Mastercard.

Walgreens Cash Rewards on Grocery & Pharmacy Purchases Outside Walgreens
3%

Earn Walgreens Cash rewards on eligible grocery & pharmacy purchases made outside Walgreens with the Walgreens Mastercard.

Walgreens Cash Rewards on All Other Purchases
1%

Earn Walgreens Cash rewards on all other purchases made wherever Mastercard is accepted with the Walgreens Mastercard.

Travel / Security 1
Mastercard Global Service™
N/A (service)

Provides emergency assistance services anytime, anywhere, and in any language. This includes reporting a lost or stolen card, emergency card replacement, and emergency cash advance.

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
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
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 33.99% - 33.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Walgreens Credit Card (Synchrony) in 2026 requires applicants to be at least 18 years old, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a U.S. residential address, and a checking or savings account. Applicants must also be a myWalgreens member. While Synchrony store cards can sometimes be approved with fair credit, good to excellent credit is generally preferred for the best offers. Typical bonus rules for new cardholders in 2026 are expected to include a percentage back (e.g., 10-20%) on the first Walgreens purchase made within 30-90 days of account opening, or a fixed statement credit (e.g., $25-$50) after spending a specified amount (e.g., $100-$200) within the first 90 days. Ongoing rewards typically include 5-10% back on Walgreens brand products and 1-3% back on other Walgreens purchases. The Mastercard version may offer 1% back on purchases outside Walgreens.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS), excessive credit seeking (numerous applications in a short period), high cumulative credit limit across Synchrony accounts relative to income/spending, abuse of promotional offers (e.g., 0% APR, deferred interest), prolonged inactivity on the card (e.g., 12-24 months), breach of terms and conditions, including suspected fraud, and frequent balance transfers or cash advances without clear repayment plans.

Cliff Effect Rules: There is no traditional 'cliff effect' similar to card family rules from other issuers. However, Synchrony may limit eligibility for the Walgreens Mastercard version if a cardholder already possesses the store-only card, or vice-versa, particularly if a new account bonus was recently received on one version. Approval for one Synchrony card may also influence the credit limit offered on subsequent Synchrony applications due to overall credit exposure limits.

Special Events: Walgreens Credit Card holders can expect myWalgreens member-exclusive discounts, bonus point days on specific categories or products, seasonal promotions (e.g., holiday sales, back-to-school, summer savings), and pharmacy/health services promotions (e.g., vaccine incentives, prescription refill bonuses).

Holiday Promos: New Year's Sales (January), Valentine's Day (February), Spring/Easter Sales (March/April), Mother's Day (May), Father's Day (June), Fourth of July Sales (July), Back-to-School (August/September), Halloween (October), Black Friday/Cyber Monday (November), and Christmas/Holiday Season (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Excellent rewards for frequent Walgreens shoppers, especially on store brand products. The Mastercard version offers good cash back on everyday spending categories like gas and groceries, making it a versatile option for loyal customers.

Top Negative:
The APR can be high, and the rewards structure is heavily weighted towards Walgreens purchases, making it less valuable for those who don't shop there regularly. Some users report challenges with customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Target RedCard
  • Amazon Prime Rewards Visa Signature
  • Chase Freedom Unlimited

Card Value Score: 68.0 / 100

Est. Annual Rewards: $275.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024.02