MyWalgreens® Mastercard® Review: Rewards, Fees & Benefits

Welcome Bonus

$25

Welcome Bonus

Rewards

Reward TypeCash Back

Base Rate1x / 1%

Bonus RateUp to 10x

Point Value~0.01¢ each

Travel Portal1x

ExpirationWalgreens Cash rewards expire 1 year after they are earned or if your myWalgreens account is inactive for 6 months.

Redemption NotesWalgreens Cash rewards are capped at $50 per transaction. Walgreens Cash rewards cannot be redeemed for some items, such as alcohol, tobacco, dairy, or prescriptions in some states. Walgreens Cash rewards cannot be redeemed for gift cards or services. Walgreens Cash rewards cannot be redeemed for cash. Walgreens Cash rewards cannot be redeemed for previous purchases.

Category	Rate	Type	Cap
Walgreens Branded Products On Walgreens branded products purchased at Walgreens.	10x	Cash Back	No cap
Walgreens Purchases On other eligible purchases at Walgreens.	5x	Cash Back	No cap
Groceries On grocery purchases outside of Walgreens.	3x	Cash Back	No cap
Health & Wellness On health & wellness purchases outside of Walgreens.	3x	Cash Back	No cap
All Other Purchases On all other purchases everywhere Mastercard is accepted.	1x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The myWalgreens Mastercard has no annual fee.	Financial	$0 Up to $0
Mastercard Extended Warranty Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when you pay with your myWalgreens Mastercard. Applies to warranties of five years or less.	Purchase Protection	Up to 1 additional year
Mastercard Purchase Protection Reimburses you for eligible items purchased with your myWalgreens Mastercard that are stolen or accidentally damaged within 90 days from the date of purchase.	Purchase Protection	Up to 90 days
All Other Purchases Rewards Earn 1% back in Walgreens Cash rewards on all other eligible purchases everywhere Mastercard is accepted.	Rewards	1% back
Grocery and Pharmacy Purchases Rewards Earn 3% back in Walgreens Cash rewards on eligible grocery and pharmacy purchases when using the myWalgreens Mastercard.	Rewards	3% back
Health and Beauty Purchases Rewards Earn 5% back in Walgreens Cash rewards on eligible health and beauty purchases when using the myWalgreens Mastercard.	Rewards	5% back
Walgreens Branded Products Rewards Earn 10% back in Walgreens Cash rewards on eligible Walgreens branded products when using the myWalgreens Mastercard.	Rewards	10% back
Mastercard ID Theft Protection Provides identity theft resolution services, including assistance with credit bureau notification and replacement of lost or stolen documents.	Security	—
Mastercard Zero Liability Protection Protects you from unauthorized purchases made with your card. You pay only for purchases you have authorized.	Security	—
Mastercard Global 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.	Travel	—

Interest Rates

0%

Intro Purchase APR for 6 months

0%

Intro BT APR for 6 months

Purchase APR21.24%–33.24% Variable

Balance Transfer APR33.24%

Cash Advance APR33.24%

Min. Interest Charge$2

Deferred Interest Warning: If you do not pay the full promotional balance by the end of the promotional period, interest will be charged to your account from the purchase date at the variable purchase APR.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 3% 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

Decision TimeInstant

Co-ApplicantNot allowed

Issuer Rules & Restrictions

Maximum Cards per Issuer

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

Shutdown Risk Triggers

Common triggers for Synchrony account shutdowns include manufactured spending (MS), exceeding an internal cumulative credit limit across all Synchrony accounts, extended periods of account inactivity, sudden and unusually large purchases on newly opened cards, payment defaults or late payments, and perceived abuse of promotional offers or rewards programs. Synchrony is known to be vigilant against activities that suggest gaming the system.

Cliff Effect Rules

Synchrony Bank often maintains an internal cap on the total credit extended to a single customer across all their issued cards. Reaching this cumulative credit limit can lead to denials for new card applications or, in some cases, credit limit reductions on existing Synchrony accounts. While Synchrony is generally more lenient than other issuers regarding multiple card approvals, applying for an excessive number of cards within a short timeframe may eventually trigger application denials.

International Friendly

May have limitations for international use.

Additional Issuer Rules

For 2026, eligibility for the myWalgreens Mastercard is projected to remain consistent, requiring applicants to have good to excellent credit, subject to Synchrony Bank's credit approval process. Standard income and residency requirements apply. The primary sign-up bonus is expected to be $25 in Walgreens Cash rewards upon making your first purchase within 45 days of account opening. Ongoing rewards include 10% Walgreens Cash on eligible Walgreens branded products, 5% on other eligible Walgreens purchases, 3% on eligible health & wellness purchases outside Walgreens, and 1% on all other eligible purchases outside Walgreens. There is no annual fee associated with this card.

Military & Hardship

MLA Compliant

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

Hardship Program

Hardship program available.

MyWalgreens® Mastercard®

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary