SY
Synchrony · Mastercard

Synchrony Plus Mastercard®

Credit World No Foreign Fees
$0 Annual Fee
21.24%–31.24% Variable Purchase APR
670+ Recommended FICO
Cash Back Reward Type
Browse Cards Synchrony Synchrony Plus Mastercard®

Rewards

Reward TypeCash Back
Base Rate2x / 2%
Travel Portal1x
ExpirationCash back rewards do not expire as long as your account is open and in good standing.
Redemption NotesCash back is automatically redeemed as a statement credit once you earn $25.
CategoryRateTypeCap
All Other Purchases
Earns 2% cash back on every purchase, everywhere Mastercard is accepted.
2x Cash Back No cap

Benefits & Protections

No Foreign Fees
Cell Phone Protection
Concierge Service
BenefitCategoryValue / Coverage
DoorDash Discounts
Access to special offers and discounts on food delivery orders through DoorDash.
Dining Discounts on food delivery
HelloFresh Discounts
Access to special offers and discounts on meal kit subscriptions through HelloFresh.
Dining Discounts on meal kit subscriptions
Fandango Discounts
Access to special offers and discounts on movie tickets through Fandango.
Entertainment Discounts on movie tickets
No Annual Fee
The card does not charge an annual fee for card membership.
Financial No annual fee
Up to $0
Priceless Experiences
Access to unique experiences and offers in cities around the world, curated exclusively for Mastercard cardholders.
Lifestyle Exclusive experiences and offers
Cell Phone Protection
Provides coverage for eligible cell phones against damage or theft when the monthly cell phone bill is paid with the eligible Mastercard.
Purchase Protection Coverage for cell phone damage or theft
Extended Warranty Protection
Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when purchased with the card.
Purchase Protection Up to 1 additional year of warranty
Purchase Protection
Reimburses for eligible items purchased with the card that are stolen or accidentally damaged within a specified period from the date of purchase.
Purchase Protection Coverage for stolen or damaged purchases
Satisfaction Guarantee
If you are dissatisfied with an eligible product purchased with your Mastercard within 60 days of purchase and the store won't accept a return, this benefit may provide a refund.
Purchase Protection Refund for unsatisfactory purchases within 60 days
Mastercard ID Theft Protection
Provides identity theft resolution services, including monitoring, alerts, and expert assistance to help restore your identity if it is compromised.
Security Identity theft monitoring and resolution services
Zero Liability Protection
Protects cardholders from unauthorized purchases made with their Mastercard, ensuring they are not held responsible for fraudulent transactions.
Security Protection against unauthorized transactions
ShopRunner Membership
Complimentary ShopRunner membership, providing free 2-day shipping and free returns at over 100 online retailers.
Shopping Free 2-day shipping and returns
Lyft Discounts
Access to special offers and discounts on rides with Lyft.
Travel Discounts on Lyft rides
Mastercard Airport Concierge
Access to a personal, dedicated Meet & Greet agent at over 450 airports worldwide to assist with baggage, customs, and immigration. Cardholders receive a 15% savings on services.
Travel 15% savings on airport concierge services
Mastercard Global Service
Provides 24/7 assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance services worldwide.
Travel Assistance 24/7 global assistance
Travel & Lifestyle Services
Complimentary travel advisor services and access to a suite of benefits including upgrades, amenities, and preferential treatment at hotels, resorts, and car rental agencies.
Travel Assistance Complimentary travel advisor services, upgrades, amenities
Baggage Delay Insurance
Reimburses for the purchase of essential items when checked baggage is delayed by a common carrier for a specified period.
Travel Insurance Coverage for essential purchases due to baggage delay
Car Rental Collision Damage Waiver
Provides secondary coverage for physical damage and theft of most rental vehicles when the eligible Mastercard is used to initiate and pay for the rental.
Travel Insurance Secondary coverage for rental car damage/theft
Emergency Medical Evacuation
Provides coverage for emergency medical evacuation expenses when traveling away from home.
Travel Insurance Coverage for emergency medical evacuation
Lost or Damaged Luggage Insurance
Reimburses for the actual cost of repairing or replacing lost or damaged luggage and its contents when traveling on a common carrier.
Travel Insurance Coverage for lost or damaged luggage and contents
Travel Accident Insurance
Provides coverage for accidental death or dismemberment while traveling on a common carrier when the fare has been purchased with the eligible Mastercard.
Travel Insurance Accidental death and dismemberment coverage
Trip Cancellation/Interruption Insurance
Reimburses non-refundable common carrier passenger fares if a trip is cancelled or interrupted for covered reasons, such as illness or injury.
Travel Insurance Coverage for non-refundable trip expenses

Interest Rates

Purchase APR21.24%–31.24% Variable
Balance Transfer APR26.24%
Cash Advance APR31.24%
Penalty APR29.99%
Min. Interest Charge$2
Deferred Interest Warning: If you do not pay the promotional purchase amount in full by the end of the promotional period, interest will be imposed from the date of purchase at the standard APR for purchases.

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
Decision TimeInstant
Pre-QualificationAvailable (no hard pull)
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 3 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending (MS), excessive credit cycling, high cumulative credit limits across all Synchrony accounts, rapid application velocity leading to multiple new accounts in a short period, frequent balance transfers without consistent repayment, and any signs of potential fraud or credit abuse are primary triggers. Late payments, defaulting on promotional financing terms, or significant changes in creditworthiness can also lead to account closure or credit limit reductions.
Cliff Effect Rules
Synchrony generally allows re-application for the same card product after a period (typically 24-48 months) to be eligible for a new sign-up bonus, provided the previous card of that specific product has been closed or a sufficient time has passed since the last bonus was earned. There are no broad 'cliff effect' rules across different Synchrony card products, meaning obtaining one Synchrony card does not typically preclude you from getting another, distinct Synchrony card and its associated bonus.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
Eligibility for the Synchrony Plus World Mastercard generally requires applicants to have good to excellent credit (FICO 670+). While Synchrony is known for being more accessible than prime issuers, the 'World Mastercard' tier suggests a stronger credit profile is preferred. Approval is contingent on overall credit history, income, existing Synchrony relationships, and recent credit activity. New cardholders can typically expect a sign-up bonus, often structured as 'Earn $200 cash back after spending $1,500 within the first 3 months of account opening.' Specific bonus offers and spend requirements may vary and are subject to change by 2026. Synchrony does not have strict application velocity rules like 5/24, but multiple recent inquiries or new accounts can impact approval.
Synchrony
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 21.24%–31.24% Variable
Quick Summary
Annual Fee Free
RewardsCash Back
Foreign FeesNone
Min. FICO670+
NetworkMastercard
Card TypeCredit
Online
Ask any doubts about cards.
Gemini 2.2 Ver