Synchrony · Mastercard

Cathay Pacific Mastercard®

Credit 25,000 Miles Bonus No Foreign Fees

$95 Annual Fee

21.24%–30.24% Variable Purchase APR

25,000 Welcome Bonus

670+ Recommended FICO

Miles Reward Type

Welcome Bonus

25,000 Miles

Welcome Bonus

Spend $2,500 in the first 90 days

Rewards

Reward TypeMiles

Base Rate1x / 1%

Bonus RateUp to 2x

Travel Portal1x

ExpirationAsia Miles do not expire as long as you earn or redeem at least one Asia Mile every 18 months.

Category	Rate	Type	Cap
Flights Eligible Cathay Pacific purchases	2x	Miles	No cap
Dining Dining purchases	1.5x	Miles	No cap
Travel In-flight purchases on Cathay Pacific	1.5x	Miles	No cap
All Other Purchases	1x	Miles	No cap

Benefits & Protections

No Foreign Fees

Airport Lounge

Benefit	Category	Value / Coverage
Accelerated Miles on Cathay Pacific Purchases Earn 2 Asia Miles for every $1 spent on eligible Cathay Pacific purchases.	Rewards	2 Asia Miles per $1
Accelerated Miles on Dining Purchases Earn 1.5 Asia Miles for every $1 spent on dining purchases.	Rewards	1.5 Asia Miles per $1
Annual Asia Miles Bonus Earn an annual bonus of 10% of the Asia Miles you earned in the previous year, up to a maximum of 10,000 Asia Miles, on your account anniversary.	Rewards	Up to 10,000 Asia Miles annually
Standard Miles on All Other Purchases Earn 1 Asia Mile for every $1 spent on all other purchases.	Rewards	1 Asia Mile per $1
Welcome Bonus Miles Earn 25,000 Asia Miles after you spend $2,500 in purchases within the first 90 days of account opening.	Rewards	25,000 Asia Miles
Hong Kong International Airport Green Lane Access Enjoy Green Lane access at Hong Kong International Airport (HKIA) when flying Cathay Pacific.	Travel	Expedited airport processing

Interest Rates

Purchase APR21.24%–30.24% Variable

Cash Advance APR30.24%

Penalty APR29.99%

Min. Interest Charge$2

Fees

Annual Fee $95

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive credit limit increase requests in a short period, suspicious spending patterns inconsistent with typical use, abuse of return policies (especially relevant for store cards), and defaulting on other Synchrony accounts.

Cliff Effect Rules

Synchrony generally does not impose complex 'card family' or 'once per lifetime' rules across its entire portfolio like some major issuers. Sign-up bonuses are typically limited to new cardmembers for a specific product, meaning you may not be eligible for the bonus if you have previously held this exact card product. There are no known 'cliff effect' rules that prevent eligibility based on other Synchrony cards held.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

To be eligible for the Cathay Pacific Mastercard, applicants must be 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a U.S. mailing address. Approval typically requires good to excellent credit. The primary sign-up bonus offers 25,000 Asia Miles after spending $2,000 in purchases within the first 90 days of account opening. An additional 10,000 Asia Miles can be earned after spending $10,000 in purchases within the first 12 months. Synchrony is known for instant application decisions and may pull credit reports from any major bureau, though TransUnion is commonly used.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Synchrony

$95

Annual Fee

Apply Now

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Welcome Bonus 25,000 Miles

APR 21.24%–30.24% Variable

More Synchrony Cards

Cathay Pacific Mastercard®

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary