Synchrony Premier Mastercard | Synchrony Bank (2024)

Turn today's purchases into tomorrow's rewards.

Synchrony Premier World Mastercard®

2

%

CASH

BACK

No Annual Fee*

Synchrony Premier Mastercard | Synchrony Bank (1)

Synchrony Premier Mastercard | Synchrony Bank (2)

Synchrony Premier
World Mastercard®

Enjoy the extraordinary reward of earning 2% cash back on every purchase.*

  • Unlimited cash back
  • ID theft protection*
  • Mastercard Travel and Lifestyle Services*
  • Priceless® Experiences*
  • No Annual Fee*

Great for: Maximum Rewards

Credit Level: Excellent

Synchrony Premier Mastercard | Synchrony Bank (3)

Synchrony Plus
World Mastercard®

Enjoy the extraordinary reward of earning 1% cash back on every purchase.*

  • Unlimited cash back
  • ID theft protection*
  • Mastercard Travel and Lifestyle Services*
  • Priceless® Experiences*
  • No Annual Fee*

Great for: Everyday Rewards

Credit Level: Good to Excellent

Synchrony Premier Mastercard | Synchrony Bank (4)

Synchrony Preferred
Mastercard®

Perfect for first time credit card holders or anyone looking to build credit.

  • ID theft protection
  • Mastercard Travel and Lifestyle Services*
  • Priceless® Experiences*
  • No Annual Fee*

Great for: Building Credit

Credit Level: Fair to Good

SYNCHRONY PREMIER WORLD MASTERCARD®

Smart One

SYNCHRONY PLUS WORLD MASTERCARD®

Easy Math

SYNCHRONY PREFERRED MASTERCARD®

Spending Power

SYNCHRONY PREMIER WORLD MASTERCARD®

Smart One

Synchrony Premier Mastercard | Synchrony Bank (5)

Enjoy the extraordinary reward of earning 2% cash back on every purchase*. Your cash back is unlimited and gets credited to your statement every month, automatically. Enjoy Mastercard World Benefits like ID theft protection, Mastercard Travel and Lifestyle Services, Priceless® Experiences, and more.

Great for: Maximum Rewards

Credit Level: Excellent

SYNCHRONY PLUS WORLD MASTERCARD®

Easy Math

Synchrony Premier Mastercard | Synchrony Bank (7)

The smart credit card that offers you 1% cashback rewards on every purchase. Your earnings are unlimited and automatically credited to your statement every month. Rewards you can count on every time. Plus, enjoy the added benefits of Mastercard World.

Great for: No Annual Fee*, No categories, No Tiers

Credit Level: Above Average - Excellent

SYNCHRONY PREFERRED MASTERCARD®

Spending Power

Synchrony Premier Mastercard | Synchrony Bank (8)

Enjoy safe and fast transactions with contactless chip technology. You love to see it. We also offer identity theft protection for additional peace of mind. Plus there’s no annual fee to pay so you can enjoy the perks that come with your Synchrony Preferred card without any additional costs.

Great for: No Annual Fee*, Credit Building

Credit Level: Low – Below Average

Synchrony Premier Mastercard | Synchrony Bank (9)

Estimate your cash
back

In the box below, type in your monthly spending and we’ll show you how much cash back you could earn every month at 2% with your Synchrony Premier card

Estimated Monthly Spending

$

Synchrony Premier Mastercard | Synchrony Bank (10)

Monthly cash back

$

And that could equal an annual cash back reward of

For informational purposes only.

Synchrony Premier Mastercard | Synchrony Bank (11)

Credit anytime. anywhere

Whether at the register or online, you can be sure your Synchrony credit card is working hard for you.

And with the convenient Synchrony Bank app and website, you can check your balance, see your recent transactions and pay your bill from almost anywhere, 24/7.

That’s credit you can count on.

Synchrony Premier Mastercard | Synchrony Bank (12) Synchrony Premier Mastercard | Synchrony Bank (13)

See how the power of Synchrony can work for you

Synchrony Premier Mastercard | Synchrony Bank (14)

No Mental Math

Lost track of your earnings with complicated calendars and rotating categories? A Synchrony Premier World Mastercard makes it easy with 2% cash back on everything you’re buying, all the time.

Subject to credit approval. *2% and 1% CASHBACK REWARDS: Valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier Mastercard or Synchrony Plus Mastercard. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made. Cash advances, fees and interest charges do not qualify to earn cash back. Account must be open and in good standing at the time the purchase is made and the statement credit is applied. * See Reward Program Terms for details. *NO ANNUAL FEE: New Accounts as of April 30, 2024: Variable Purchase APR 19.24%, 28.24%, or 34.99%. Variable Bal Trans APR 19.24%, 28.24% or 34.99% and 4% Fee ($10 min). Variable Cash APR 22.24%, 31.24% or 37.99% and 5% Fee ($10 min). Variable Penalty APR 29.24%, 38.24% or 39.99%. Minimum Interest Charge is $2. Foreign Trans Fee is 3%. MASTERCARD BENEFITS: These are summary descriptions only. Certain terms, conditions and exclusions apply. Benefits and Service Providers are subject to change by Mastercard. For complete coverage terms and conditions, refer to your Guide to Benefits: for Synchrony Premier World Mastercard and Synchrony Plus World Mastercard at www.mastercard.us/synchronyWorldGTB; for Synchrony Preferred Mastercard at www.mastercard.us/synchronyCoreGTB; or by calling 1-800-MC-ASSIST (1-800-622-7747).

The Synchrony Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, World Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Google Play and the Google Play logo are trademarks of Google LLC.

Synchrony Premier Mastercard | Synchrony Bank (2024)

FAQs

Is it hard to get a Synchrony Premier Mastercard? ›

Yes, it is hard to get the Synchrony Premier World Mastercard® because it requires excellent credit for approval. Unless your credit score is 750 and you have a lot of income, it will be difficult for you to get approved for the Synchrony Premier Card.

What credit score is needed for Synchrony Premier Mastercard? ›

750+ credit score needed

You need excellent credit to get the Synchrony Premier.

Is a Synchrony credit card a Mastercard? ›

The Synchrony Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, World Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Is there a class action lawsuit against Synchrony Bank? ›

Synchrony Bank will pay $2.6 million as part of a class action lawsuit settlement to resolve claims it violated federal telemarketing laws by placing calls to customers about accounts they didn't own.

Is there a pre approval for Synchrony premier Mastercard? ›

Does the Synchrony Premier card have pre-approval? You cannot check for Synchrony Premier pre-approval. Synchrony Bank does not offer pre-approval through its website, so anyone interested in applying for the Synchrony Premier Card will have to do so without the benefit of checking for pre-approval beforehand.

What are the disadvantages of Synchrony Bank? ›

Not full service: Synchrony Bank doesn't offer a checking account. Not as generous: Other banks may offer more generous ATM reimbursements than Synchrony, which reimburses customers $5 per month for out-of-network ATM charges. Online only: Synchrony is an online-only bank, so there are no in-person branch locations.

Is Synchrony better than Capital One? ›

Both banks have a $0 minimum deposit and no monthly service fee, which maximizes earnings. But if you're looking for the best rate, Synchrony is the winner. Capital One allows customers to open multiple savings buckets to save for separate goals.

Which FICO score does Synchrony use? ›

For instance, Synchrony Bank uses the VantageScore 4.0 scoring model when evaluating credit card applications.

What is the credit limit for a Premier credit card? ›

Your credit limit starts at $200, and you will have the opportunity after the account is opened to build your credit limit up to $5,000 by adding funds to your security deposit. Your refundable2 security deposit then acts as your credit limit, putting you in control.

Is Synchrony Bank owned by Chase? ›

More about Synchrony: Synchrony Bank is owned by Synchrony Financial, a Stamford, Connecticut-based consumer financial services company.

Why won't Synchrony Bank approve me? ›

While credit scores are very important, Synchrony Bank credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. Synchrony Bank will also look at existing debts when considering your application.

Does Synchrony Bank have a good reputation? ›

Synchrony Bank holds an A+ rating from the Better Business Bureau (BBB), although it's not a BBB-accredited business. Despite this high rating, it's important to note that the bank has received a considerable number of complaints through the BBB platform, with more than 7,000 posted within the past three years.

Is Synchrony Bank in danger? ›

Fitch Ratings - New York - 05 Apr 2024: Fitch Ratings has affirmed all of Synchrony Financial's (SYF) and subsidiaries' ratings including its Long-Term Issuer Default Ratings (IDRs) at 'BBB-'. The Rating Outlook is Positive.

What is the controversy with Synchrony Bank? ›

BOSTON – In response to the announcement by Synchrony Bank that new rules lowering late fees are driving it to raise rates on its credit cards, consumer advocates questioned what is driving the higher rates and defended the new late fee rule by the Consumer Financial Protection Bureau.

What is the new name for Synchrony Bank? ›

*Note: On June 2, 2014, GE Capital Retail Bank changed its name to Synchrony Bank and is part of the Synchrony Financial business (formerly GE Capital Retail Finance).

What credit score do you need for Premier Bankcard Mastercard? ›

The First PREMIER Bank credit score requirement is 500 for all cards, which means that people with bad credit or better have high approval odds. If your credit score is below the threshold needed for a credit card from First PREMIER Bank, it's best to wait to apply until you meet the credit score requirement.

Is Synchrony Bank hard to get approved for? ›

What's the Synchrony Bank credit card credit score requirement? It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit.

What is the minimum credit score for Synchrony Financial? ›

Generally, a credit score of at least 600 is required to be considered for a Synchrony credit card or store card. However, certain cards may require a higher credit score, typically around 660 or higher.

Is Premier Bank card easy to get? ›

You need a 500 FICO score or higher to be eligible for the Premier Bankcard Mastercard. If your score is lower, you might have a higher chance of acceptance with a secured card. You need a 500 FICO score or higher to be eligible for the Premier Bankcard Mastercard.

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