Synchrony · Mastercard

OnePay CashRewards World Mastercard®

Credit World

$0 Annual Fee

21.24%–31.24% Variable Purchase APR

670+ Recommended FICO

Cash Back Reward Type

Rewards

Reward TypeCash Back

Base Rate2x / 2%

Bonus RateUp to 2x

Point Value~0.02¢ each

Travel Portal1x

ExpirationCash back never expires

Redemption NotesMinimum redemption amount of $25

Category	Rate	Type	Cap
All Other Purchases Unlimited 1.5% cash back on every purchase, everywhere, every time.	1.5x	Cash Back	No cap

Benefits & Protections

Cell Phone Protection

Purchase Protection

Extended Warranty

Concierge Service

Benefit	Category	Value / Coverage
0% Introductory APR on Balance Transfers Enjoy a 0% introductory Annual Percentage Rate (APR) on balance transfers for the first 12 months from account opening. After the introductory period, a variable APR of 19.24% - 33.24% will apply based on creditworthiness.	Financial	0% APR for 12 months
0% Introductory APR on Purchases Enjoy a 0% introductory Annual Percentage Rate (APR) on purchases for the first 12 months from account opening. After the introductory period, a variable APR of 19.24% - 33.24% will apply based on creditworthiness.	Financial	0% APR for 12 months
No Annual Fee The OnePay Cash Rewards World Mastercard has no annual fee.	Financial	$0 Up to $0
No Foreign Transaction Fees No fees are charged on purchases made outside the United States.	Financial	0% Up to $0
1% Cash Back on All Other Purchases Earn 1% cash back on all other eligible purchases.	Rewards	1% cash back
3% Cash Back on Gas and Groceries Earn 3% cash back on eligible gas and grocery purchases.	Rewards	3% cash back
Flexible Cash Back Redemption Redeem cash back rewards for statement credits or direct deposit.	Rewards	Statement credit or direct deposit
Non-Expiring Cash Back Rewards Earned cash back rewards do not expire.	Rewards	Rewards do not expire

Interest Rates

Purchase APR21.24%–31.24% Variable

Balance Transfer APR21.24%

Cash Advance APR31.24%

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

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 OddsVery Good

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 seeking (numerous recent inquiries/new accounts), late payments or defaults on any Synchrony product, suspected fraud, or abuse of rewards programs.

Cliff Effect Rules

Synchrony does not have a universal 'cliff effect' across all its products like some major issuers. However, bonus eligibility for this hypothetical card might be restricted if an applicant has received a bonus on a similar Synchrony cash rewards product within the last 12-24 months. There are no known 'card family' restrictions that would prevent approval based on holding other Synchrony cards, but total credit exposure is a factor.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

This analysis is based on a hypothetical 'onepay-cashrewards-world-mastercard' from Synchrony, as this specific product does not appear to be publicly available. Assuming it were a real product for 2026, typical Synchrony eligibility requirements would include being 18+ years old, a US resident with a valid SSN/ITIN, and possessing good to excellent credit for a World Mastercard product. A hypothetical bonus rule might be: Earn $200 cash back after spending $1,000 in the first 3 months. Application rules are generally sensitive to recent credit inquiries and new accounts, though Synchrony is known to approve multiple cards for a single individual. Approval for a World Mastercard would likely require a stronger credit profile than their typical store-branded offerings.

Military & Hardship

MLA Compliant

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

Hardship Program

Hardship program available.

Synchrony

Annual Fee

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APR 21.24%–31.24% Variable

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