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? ›

The Synchrony Premier World Mastercard®, which offers 2% cash back on every purchase to individuals with excellent credit (FICO scores of 720 or higher). The Synchrony Plus World Mastercard, which is designed for those with at least good credit (scores of 690 or higher) and earns 1% cash back on every purchase.

What is a Premier Bank card Mastercard? ›

PREMIER Bankcard® Mastercard® Credit Card

PREMIER Bankcard credit cards are for building credit. Start building credit by keeping your balance low and paying all your bills on time each month. We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.

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.

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.

What is the minimum credit score for Premier card? ›

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.

What is the starting credit limit for the Synchrony Mastercard? ›

There is no disclosed starting credit limit for the Synchrony Premier card. The issuer does not include any specific credit limit information in the card's terms. For the most part, credit limits depend on each applicant's overall creditworthiness.

Is Synchrony Bank owned by Chase? ›

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

Is there a class action lawsuit against Synchrony Bank? ›

Lucas filed a class action lawsuit against Synchrony alleging that it violated the TCPA by using an artificial or prerecorded voice in connection with calls it placed to cellular telephones without prior express consent. Synchrony denies the allegations, and denies that it violated the TCPA.

What is the highest limit on a Premier Bank card? ›

If you're interested in getting a credit card without placing a security deposit, the First PREMIER® Bank Mastercard Credit Card offers credit limits between $200 and $700, based on your creditworthiness.

What is the $95 program fee for First PREMIER Bank? ›

Yes, you do have to pay the program fee for First Premier Bank credit cards if you are applying for an unsecured card. The program fee on First Premier Bank unsecured credit cards is a one-time fee of $55 - $95, assessed after approval. The exact amount you will have to pay depends on your creditworthiness.

Is a Premier credit card worth it? ›

Rates & fees: Fees are excessive

PREMIER Bankcard has a high APR and costly fees, making it one of the more expensive credit cards for people with poor credit. The APR for purchases and cash advances is a whopping 36 percent, which is higher than the current average interest rate for credit cards.

Is Synchrony Bank an actual bank? ›

Synchrony Bank is a solid online bank with competitive interest rates on savings, money market, and CD accounts.

Can I use my Synchrony Mastercard anywhere? ›

Credit cards are often issued by a bank or financial institution in partnership with a major credit card company. For instance, Synchrony works with Mastercard to offer credit cards you can use all over the country and the world—anywhere that accepts Mastercard.

What are the benefits of Mastercard Premier? ›

Card privileges:
  • Travel Benefits. Relax at over 1,200 lounges with Mastercard Travel Pass app. ...
  • Credit Card Special Offers. Enjoy the special offers on our credit cards. ...
  • Protection. You can now avail of SAB's new Secure Online Payment Services. ...
  • Fees & Services. ICSAB+ Programme, SAB AQSAT, Supplementary Card, E-Statements.

Is Synchrony Bank hard to get approved? ›

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 welcome bonus for synchrony premier Mastercard? ›

Synchrony Premier World Mastercard basics

Welcome bonus: None. Rewards: Unlimited 2% cash back on purchases. APR: 19.24% to 32.24% variable APR on purchases and balance transfers. Benefits: Partner benefits with Lyft, Instacart and Peacock.

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. Greater than 300. Synchrony doesn't offer loans directly to conumers, they are a deposit only bank.

Does Premier credit card do a hard pull? ›

Chip Lupo, Credit Card Writer

Yes, First Premier Bank does a hard inquiry on your credit report whenever you apply for one of its credit cards.

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