World Market Credit Card

Synchrony Pending

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6

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: world-market-credit-card

Issuer: Synchrony

Card Name: World Market Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 16:41

Last Scraped: Feb 17, 2026 16:43

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
World Market Purchases 5x Cash Back Purchases made at World Market stores and worldmarket.com No Cap
All Other Purchases 1x Cash Back Purchases made everywhere else Visa is accepted No Cap
Rewards Summary
No Rewards Summary Available

Click "Get Data" button below to fetch rewards summary for this card.

Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
No annual fee

There is no annual fee for the World Market Credit Card.

Shopping 5
Introductory Discount
20% off first purchase

Get 20% off your first World Market Credit Card purchase when you open and use your new card. Discount will be applied to your first purchase made with your new World Market Credit Card. Cannot be combined with other offers. Excludes alcohol, gift cards, and prior purchases.

Rewards Earning Rate (World Market Purchases)
5% back in Rewards

Earn 5% back in Rewards on World Market purchases. This is equivalent to earning 5 points for every $1 spent, with a $10 Reward issued for every 1,000 points earned.

Rewards Earning Rate (Non-World Market Purchases)
1 point per $1 spent

Earn 1 point for every $1 spent on qualifying purchases made outside of World Market stores and worldmarket.com where your World Market Credit Card is accepted. A $10 Reward is issued for every 1,000 points earned.

Exclusive Cardholder Offers
Various offers

Receive exclusive cardholder offers throughout the year.

Special Financing Offers
Varies by offer

Special financing offers available on qualifying purchases. Subject to credit approval. Minimum monthly payments required.

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
PENDING

$10

Cash Back
Fee Structure
PENDING
Annual Fee: $0.00
Effective Annual Fee: $0.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: New cardholders receive a 15% discount on their first World Market purchase made within 30 days of account opening. Ongoing rewards include 5% back in rewards on World Market purchases, redeemable as store credit. Rewards expire 12 months after issuance. Eligibility requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number, and have a fair to good credit score. Approval is subject to Synchrony Bank's credit underwriting standards. Store-specific restrictions apply to reward redemption and promotional offers.

Max Cards Per Issuer: 5

Min Spend Interval: 30 days for initial bonus; ongoing for rewards

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases), high cumulative credit limit across Synchrony accounts, frequent returns without corresponding purchases, defaulting on other Synchrony-issued cards, suspected fraud, or abuse of promotional financing terms.

Cliff Effect Rules: While there are no specific 'card family' rules for World Market branded cards, Synchrony Bank assesses overall credit exposure across all its issued cards. Accumulating a high number of Synchrony cards (typically 5-7 active accounts) or a very high cumulative credit limit can lead to denials for new applications or credit limit reductions on existing accounts, even if individual accounts are in good standing.

Special Events: Exclusive cardholder-only sales events, early access to new product launches, and special discounts during seasonal promotions (e.g., 'Friends & Family' events, 'Member Appreciation Days').

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season (November-December), Spring Home & Garden (March-April), Summer Entertaining (June-July), Back-to-School (August), and other major retail holidays.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent rewards for frequent World Market shoppers, often comes with an attractive sign-up discount, and generally easy approval for those building credit.

Top Negative:
High APR, limited rewards outside of World Market, and some users report issues with Synchrony customer service or promotional financing terms.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Wayfair Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2014-07-01