Synchrony Mastercards

Explore everyday credit cards from Synchrony and turn today's purchases into tomorrow's rewards

Synchrony Premier World Mastercard®
2% CASH BACK*
No annual fee*
Apply now See if you prequalify

Explore Synchrony Mastercards

Our Mastercards all come with a $0 annual fee*, and plenty of perks*. Learn more about each card’s features to see which one may fit your needs.

Synchrony Premier World Mastercard
Synchrony Premier World Mastercard®
Enjoy the extraordinary reward of earning 2% cash back on every purchase.*
  • Unlimited cash back
  • Mastercard ID Theft Protection™
  • Mastercard Travel & Lifestyle Services®
  • Priceless Experiences®
  • No annual fee
Great for: Maximum rewards
Apply now Explore Premier World Mastercard
Synchrony Plus World Mastercard
Synchrony Plus World Mastercard®
Enjoy the extraordinary reward of earning 1% cash back on every purchase.*
  • Unlimited cash back
  • Mastercard ID Theft Protection™
  • Mastercard Travel & Lifestyle Services®
  • Priceless Experiences®
  • No annual fee
Great for: Everyday rewards
By invitation only
Explore Plus World Mastercard
Synchrony Preferred Mastercard
Synchrony Preferred Mastercard®
Perfect for first time credit card holders or anyone looking to build credit.
  • Mastercard ID Theft Protection™
  • Mastercard Travel & Lifestyle Services®
  • Priceless Experiences®
  • No annual fee
Great for: Building credit
By invitation only
Explore Preferred Mastercard
SYNCHRONY PREMIER WORLD MASTERCARD
Smart one

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 Mastercard ID Theft Protection™, Mastercard Travel & Lifestyle Services®, Priceless Experiences®, and more.

Great for: Maximum rewards
Apply now
SYNCHRONY PLUS WORLD MASTERCARD
Easy math

The smart credit card that offers you 1% cash back* rewards on every purchase. Your earnings are unlimited and automatically credited to your statement each 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
SYNCHRONY PREFERRED MASTERCARD
Spending power

Enjoy safe and fast transactions with contactless chip technology. The card comes with Mastercard ID 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 Mastercard without any additional costs.

Great for: No annual fee*, credit building

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 with your Synchrony Premier World Mastercard.


$480

For informational purposes only.

Learn about cash back

Manage your account
on the go

The MySynchrony mobile app is available to all Synchrony cardholders. Discover convenient features at your fingertips:

  • Quick and secure login with Face ID, Touch ID, or fingerprint
  • View balances and payment due dates for many of your credit card accounts issued by Synchrony
  • Make payments and manage account details, all in one place
Download on the Apple App Store Download on the Google Play Store

Start earning 2% cash back* on every purchase

A simple way to earn rewards on the things you buy most. Open a Synchrony Premier World Mastercard® account to start earning today.

Apply now See if you prequalify

Resources to help you make informed decisions

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*Subject to credit approval:

 

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 November 1, 2025: Variable Purchase APR 17.74%, 26.74%, or 33.49%. Variable Bal Trans APR 17.74%, 26.74% or 33.49% and 4% Fee ($10 min). Variable Cash APR 20.74%, 29.74% or 36.49% and 5% Fee ($10 min). Variable Penalty APR 27.74%, 36.74% 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). Mastercard ID Theft Protection™-Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-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.

 

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.