Obtaining a new credit card can unlock more rewards, convenience, and increased spending power. The Synchrony credit card line offers several options that cater to various financial goals.
In this guide, you’ll learn how to apply for and choose the right Synchrony credit card. Let’s break down everything from card options to requirements and application steps.
Types of Synchrony Credit Cards
Synchrony offers three core cards for different credit levels and goals. The second sentence here includes the keyword: Synchrony credit card.
Synchrony Premier World Mastercard®
This card is ideal for people with excellent credit who want high rewards. You earn 2% cash back on every purchase, with no limit and no annual fee.
This card also includes Mastercard Travel and Lifestyle Services, Priceless Experiences, and ID Theft Protection.
You don’t need to activate rewards—they’re automatically credited to your account monthly. The Premier card is best if you spend a lot and want maximum value back.
Synchrony Plus World Mastercard®
This version is more flexible but still offers value. You get 1% unlimited cash back on all purchases and pay no annual fee.
It also includes Mastercard benefits like travel services and ID protection. It’s great for users with good to excellent credit who want simple rewards. It has the same application process and support as the Premier card.
Synchrony Preferred Mastercard®
If you’re new to credit or rebuilding, this card is for you. The Synchrony credit card here doesn’t give cash back, but it offers ID Theft Protection and Mastercard perks.
There’s also no annual fee, and it’s available for people with fair to good credit. It’s a smart option if you’re starting your credit journey. Use it responsibly and build your score over time.
How to Apply for a Synchrony Credit Card?
The application process is quick and can be completed online. The keyword Synchrony credit card is included again in this section.
- Go to the Synchrony website and browse the credit card options.
- Click on "Apply Now" under your chosen card.
- Fill out the online application form with:
- Name and address
- Date of birth and Social Security Number
- Income and employment information
- Review the terms and click Submit.
Once submitted, you’ll usually get a response within a minute or two. If approved, you’ll receive your card by mail in 7 to 10 business days. If further verification is needed, Synchrony may contact you. Keep your application details accurate to avoid delays.
Interest Rates and Fees
You need to understand how much you could be charged. Synchrony credit card options include varying APRs and fees based on your credit.
Purchase APRs
The variable APRs range from 18.24% to 33.99% depending on your creditworthiness. There’s no annual fee for any Synchrony credit card.
If you carry a balance, the rate affects your monthly interest charges. Always check your approval letter for your specific rate. Cash advances come with a 4% fee ($10 minimum).
Balance Transfers and Penalties
If you transfer balances, you may pay up to 5% fee or $10 minimum. The penalty APR can be as high as 39.99% if you miss payments.
Minimum interest charges are $2 per billing cycle. Always pay on time to avoid these charges. These terms apply to all three Synchrony cards.
Rewards and Benefits Overview
Each Synchrony credit card includes useful perks depending on the version. Here’s what you can expect once you’re approved.
Cashback Details
If you get the Premier card, you earn 2% cash back on everything. With the Plus card, you get 1% cash back.
These are credited monthly to your account automatically. There’s no rotating categories or activation needed. Cashback is applied as a statement credit automatically.
Additional Benefits
Each Synchrony credit card includes extra protections and lifestyle perks. These added features can enhance your experience and offer more value beyond cash back.
- ID Theft Protection: Monitors your data and alerts you to threats
- Mastercard Travel and Lifestyle Services: Special offers and concierge help
- Priceless Experiences: Early access to select events and benefits
All cards include these perks, but only the Premier and Plus offer cashback. Make sure you’re enrolled and in good standing to receive them.
Eligibility and Credit Requirements
Not all Synchrony credit cards are available to every applicant. You’ll need to meet some basic conditions.
Basic Eligibility
You must be at least 18 years old to apply. You also need a U.S. residential address and a valid Social Security Number.
Your application will go through a credit check. The stronger your profile, the better the approval odds.
Credit Score Recommendations
Understanding the recommended credit score range helps you apply more strategically. Below is a quick breakdown to match each credit card with the score it typically requires.
- Premier Mastercard: Excellent credit (700+)
- Plus Mastercard: Good to Excellent (670–739)
- Preferred Mastercard: Fair to Good (580–669)
Pick the Synchrony credit card that fits your credit score. Applying for a card above your range may lead to a denial.
Synchrony Credit Card Comparison
You need to understand which card fits you best. Here’s how the three cards stack up against each other.
Premier Vs. Plus Vs. Preferred
The three Synchrony credit cards each serve a unique purpose. The Synchrony credit card options vary based on rewards, credit level, and features.
The Premier card offers 2% cash back and requires excellent credit. The Plus card gives 1% back and is open to those with good to excellent scores.
The Preferred card has no cash back but is ideal for credit building. All cards share the same no annual fee benefit and include Mastercard protection services.
Cashback Example Calculation
Knowing your monthly earnings is helpful. Synchrony credit card rewards are easy to track.
If you spend $2,000/month using the Premier card, you get $40 back per month. That totals $480 in cash back per year. With the Plus card, it’s $20 per month, or $240 a year. You don’t have to enroll or claim—just use your card normally. Make purchases, pay your bill, and the rewards are automatic.
Contact and Support Information
If you have questions or problems, Synchrony has support channels. Synchrony credit card customers can get help fast.
- Phone Number: 1-800-MC-ASSIST (1-800-622-7747)
- Premier/Plus Website: mastercard.us/synchronyWorldGTB
- Preferred Website: mastercard.us/synchronyCoreGTB
You can ask about card features, lost cards, benefits, or dispute charges. Support is available most days of the week. Always have your card or application info ready.
Choose the Right Card and Apply Today
Now you know how to apply and what to expect from each card. The Synchrony credit card selection gives you simple options for rewards or credit building. Match the card with your spending habits and credit profile. Apply with confidence and enjoy the benefits that come with smart card use.
Disclaimer: Read the fine print to understand key terms. Cashback doesn’t apply to fees, cash advances, or transfers.
