Chico's Mastercard® Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate10x / 10%

Bonus RateUp to 20x

Point Value~0.01¢ each

Travel Portal1x

ExpirationPoints expire 12 months from the date they are earned.

Redemption NotesRewards are issued in $5 increments and are valid for 90 days from the date of issue. Rewards are not redeemable for cash or credit. Rewards cannot be used to purchase gift cards. Rewards cannot be applied to previous purchases. Rewards cannot be used to pay your Chico's Mastercard bill. Rewards are not valid on purchases of Chico's Cares, charity items, or other exclusions as specified from time to time. Rewards cannot be combined with other offers or discounts unless otherwise stated. Rewards are not transferable. Rewards are not replaceable if lost or stolen. Rewards are not valid at Chico's Outlet stores.

Category	Rate	Type	Cap
Chico's Purchases Earn 7.5 points per $1 spent on Chico's purchases (equivalent to 7.5% back); excludes third-party merchandise and gift cards. 1,000 points = $10 reward.	7.5x	Points	No cap
Grocery Stores and Restaurants Earn 2 points per $1 spent at grocery stores and restaurants (equivalent to 2% back) with no annual cap. 1,000 points = $10 reward.	2x	Points	No cap
All Other Mastercard Purchases Earn 1 point per $1 spent on all other purchases wherever Mastercard is accepted (equivalent to 1% back) with no cap. 1,000 points = $10 reward.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The Chico's Credit Card does not charge an annual fee.	Financial	No annual fee
Birthday Reward Receive a special reward during your birthday month as a Chico's Credit Cardmember.	Lifestyle	Special birthday reward
Early Access to Sales & New Arrivals Get early access to sales events and new product arrivals at Chico's as a cardmember.	Shopping	Early access
Exclusive Cardmember Offers Access to exclusive offers available only to Chico's Credit Cardmembers.	Shopping	Exclusive offers
Free Standard Shipping Enjoy free standard shipping on all purchases made at Chico's using the Chico's Credit Card.	Shopping	Free standard shipping
New Account Discount Receive 20% off your first purchase when you open and use a Chico's Credit Card.	Shopping	20% off first purchase
Rewards Points Earning Earn 2 points for every $1 spent on Chico's merchandise using the Chico's Credit Card.	Shopping	2 points per $1 spent

Interest Rates

Purchase APR21.24%–31.24% Variable

Balance Transfer APR31.24%

Cash Advance APR31.24%

Min. Interest Charge$2

Deferred Interest Warning: 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.

Fees

Annual Fee $0 — No Annual Fee

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 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 7 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, excessive credit limit increase requests, prolonged inactivity, high credit utilization across multiple Synchrony accounts, late payments, or significant adverse changes in credit profile.

Cliff Effect Rules

Synchrony does not typically enforce 'cliff effect' rules where eligibility for one card's bonus is impacted by holding or having held another specific card within their portfolio. Each co-branded card program is generally treated independently for bonus eligibility.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

For 2026, the Chico's Mastercard (issued by Synchrony) is projected to continue its current reward structure and application rules. **Bonus Rule:** Cardholders earn 2 points per $1 spent at Chico's, White House Black Market, and Soma, and 1 point per $1 spent everywhere else Mastercard is accepted. A $20 reward is issued for every 500 points accumulated. New cardholders typically receive a first-purchase discount (e.g., 20% off their initial purchase). Additional benefits include free standard shipping on all purchases, a birthday offer, and exclusive cardholder promotions. **Application Rules/Eligibility:** Applicants must be at least 18 years old, a U.S. resident, possess a valid Social Security Number, and demonstrate sufficient creditworthiness. While Synchrony is known for approving a range of credit profiles for store cards, the Mastercard version generally requires good to excellent credit. Applications are processed online, often with an instant decision, and are subject to Synchrony Bank's credit policies and a review of the applicant's credit history.

Military & Hardship

MLA Compliant

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

Hardship Program

Hardship program available.

Chico's Mastercard®