SY
Synchrony · Visa

Sun Country Visa Signature® Credit Card

Credit Signature 20,000 Points Bonus 0% Intro APR · 12 mo No Foreign Fees
$0 Annual Fee
21.24%–31.24% Variable Purchase APR
20,000 Welcome Bonus
670+ Recommended FICO
Points Reward Type
Browse Cards Synchrony Sun Country Visa Signature® Credit Card

Welcome Bonus

20,000 Points
Welcome Bonus
Spend $500 in the first 90 days

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 3x
Travel Portal1x
ExpirationPoints don't expire as long as your account is open and in good standing.
CategoryRateTypeCap
Flights
Purchases made directly with Sun Country, including flights, baggage, and in-flight purchases.
3x Points No cap
Gas
Purchases at gas stations.
2x Points No cap
Groceries
Purchases at grocery stores.
2x Points No cap
All Other Purchases
All eligible purchases not falling into other bonus categories.
1x Points No cap

Benefits & Protections

No Foreign Fees
Travel Insurance
Purchase Protection
Extended Warranty
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
BenefitCategoryValue / Coverage
Roadside Dispatch
A pay-per-use roadside assistance program that provides services like towing, tire changing, jump starting, lockout service, and fuel delivery. Cardholders are responsible for service fees.
Lifestyle Access to roadside assistance services
Visa Signature Concierge
Provides complimentary 24/7 personal assistance for travel planning, dinner reservations, event tickets, and more.
Lifestyle 24/7 personal assistance
Extended Warranty Protection
Extends the manufacturer's original U.S. warranty by up to one additional year on eligible items purchased with your Visa Signature card.
Purchase Protection Up to 1 additional year of warranty
Purchase Security
Protects eligible new purchases made with your Visa Signature card against theft or damage for a specified period (e.g., 90 days) from the date of purchase.
Purchase Protection Coverage for theft or damage
Return Protection
If you are dissatisfied with an eligible item purchased with your Visa Signature card within 90 days of purchase and the retailer won't take it back, this benefit may reimburse you for the purchase price.
Purchase Protection Reimbursement for eligible returns
Annual Spending Bonus Points
Earn 10,000 bonus points each year after spending $10,000 on purchases within your cardmember anniversary year.
Rewards 10,000 bonus points annually
Everyday Purchase Points
Earn 1 point per $1 spent on all other eligible purchases.
Rewards 1X point per $1
Gas and Grocery Purchase Points
Earn 2 points per $1 spent on eligible gas and grocery purchases.
Rewards 2X points per $1
Sun Country Purchase Points
Earn 3 points per $1 spent on eligible Sun Country purchases.
Rewards 3X points per $1
Welcome Bonus Points
Earn 50,000 bonus points after spending $2,000 on purchases within the first 90 days of account opening.
Rewards 50,000 bonus points
Visa Signature Discounts & Offers
Access to exclusive discounts and special offers from various merchants, including dining, entertainment, shopping, and travel.
Shopping Various discounts and offers
Free Checked Bag
Receive one free checked bag for the primary cardholder and up to three companions on eligible Sun Country flights when the flight is purchased with the card.
Travel Benefits One free checked bag per person (up to 4)
In-flight Purchase Discount
Receive 25% off eligible in-flight purchases on Sun Country flights.
Travel Benefits 25% off
No Foreign Transaction Fees
Pay no foreign transaction fees on purchases made outside the United States.
Travel Benefits 0% foreign transaction fee
Priority Boarding
Receive priority boarding on eligible Sun Country flights for the primary cardholder and up to three companions when the flight is purchased with the card.
Travel Benefits Priority boarding
Visa Signature Luxury Hotel Collection
Access to a collection of premium hotels with benefits like best available rate guarantee, automatic room upgrade upon arrival (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).
Travel Benefits Exclusive hotel benefits
Auto Rental Collision Damage Waiver
Provides coverage for damage due to collision or theft for most rental cars when you pay for the rental with your eligible Visa Signature card and decline the rental company's collision damage waiver. Coverage is secondary.
Travel Insurance Coverage for collision or theft
Emergency Evacuation
Provides coverage for emergency medical evacuation expenses if you become seriously ill or injured while traveling away from home, when the common carrier fare is purchased with your eligible Visa Signature card.
Travel Insurance Coverage for emergency medical evacuation
Emergency Medical/Dental Benefits
Provides coverage for emergency medical and dental expenses incurred while traveling away from home, when the common carrier fare is purchased with your eligible Visa Signature card.
Travel Insurance Coverage for emergency medical/dental expenses
Lost Luggage Reimbursement
Reimburses you for the replacement of lost or stolen checked or carry-on luggage and its contents when tickets are purchased with your eligible Visa Signature card.
Travel Insurance Reimbursement for lost/stolen luggage
Travel Accident Insurance
Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with your eligible Visa Signature card.
Travel Insurance Coverage for accidental death or dismemberment
Trip Cancellation/Interruption Insurance
Reimburses you for non-refundable passenger fares if a trip is canceled or interrupted for covered reasons (e.g., illness, severe weather) when tickets are purchased with your eligible Visa Signature card.
Travel Insurance Reimbursement for non-refundable fares
Trip Delay Reimbursement
Reimburses you for reasonable additional expenses incurred when your common carrier travel is delayed for a specified period (e.g., 6+ hours or overnight stay) due to a covered event, when tickets are purchased with your eligible Visa Signature card.
Travel Insurance Reimbursement for eligible trip delay expenses

Interest Rates

0%
Intro Purchase APR for 12 months
Purchase APR21.24%–31.24% Variable
Balance Transfer APR21.24%
Cash Advance APR31.24%
Penalty APR29.99%
Min. Interest Charge$2

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 670–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsVery Good
Pre-QualificationNot available
Student EligibleNo
Co-ApplicantNot allowed
Business EligibleNo
Credit Limit Range $5,000 – No limit listed

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 products, excessive credit seeking (numerous applications in a short period), defaulting on other Synchrony accounts, unusual spending patterns inconsistent with typical consumer behavior, failure to make timely payments, abuse of rewards programs or promotional offers, and rapid account churning.
Cliff Effect Rules
Synchrony does not have a widely publicized 'cliff effect' rule similar to Chase's 5/24. However, they maintain internal limits on total credit exposure across all Synchrony accounts. Approval for new cards, especially premium co-branded cards like the Sun Country Visa Signature, may be impacted by a high number of existing Synchrony accounts or substantial cumulative credit limits, even without a hard 'cliff' rule. Holding multiple versions of the exact same co-branded card is generally not permitted.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
Eligibility for the Sun Country Visa Signature card in 2026 is projected to require a good to excellent credit score (typically FICO 670+), being 18 years or older, a US resident, and demonstrating sufficient income to support the credit limit. Synchrony may also consider an applicant's existing relationships and total credit exposure across all Synchrony accounts. The typical sign-up bonus rule involves earning a specific number of Sun Country Rewards points (e.g., 30,000 points) after spending a set amount (e.g., $3,000) within the first 3 to 6 months of account opening.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
If you are a covered borrower under the Military Lending Act (MLA), certain provisions of the agreement, such as arbitration and class action limitations, will not apply. The Military Annual Percentage Rate (MAPR) includes interest and fees for covered borrowers.
Hardship Program
Hardship program available.
Synchrony
$0
Annual Fee
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Welcome Bonus 20,000 Points
APR 21.24%–31.24% Variable
Quick Summary
Annual Fee Free
RewardsPoints
Welcome Bonus20,000 Points
Intro APR0% · 12 mo
Foreign FeesNone
Min. FICO670+
NetworkVisa
Card TypeCredit
Online
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