With universal acceptance, great perks and potentially high rewards, World Mastercards are often the choice of consumers looking for a hassle-free daily credit card. The Synchrony Plus World Mastercard® and the Synchrony Premier World Mastercard® provide cardholders with no cap on how much cash back you earn, Mastercard perks, ID theft protection and Mastercard benefits. When you factor in all the perks, you'll quickly realize that a Synchrony World Mastercard could fit you well.
Overview of the Synchrony World Mastercards
Synchrony offers two main World Mastercards: the Synchrony Plus World Mastercard and the Synchrony Premier World Mastercard. The Premier card offers unlimited 2% cash back on all eligible purchases, while the Plus card offers unlimited 1% cash back. Both cards have no cash back caps or annual fees*.
Additionally, these cards offer World Mastercard perks, such as:
- ID theft protection
- Mastercard Travel & Lifestyle Services, such as discounts on flights and car rentals
- Take advantage of World Mastercard benefits when you use services like Lyft and Instacart
These perks enhance security, provide exclusive travel offers and unlock unique dining, shopping and entertainment events. Compared to similar flat-rate rewards cards, the Synchrony Premier World Mastercard stands out with its generous cash back and enhanced Mastercard benefits. For those looking for a no annual fee card with simple, unlimited rewards, a Synchrony World Mastercard is a strong choice.
Benefits of a Synchrony World Mastercard
Let's dig into some of the top benefits of a World Mastercard.
1. You get effortless—and unlimited—cash back
This straightforward earning structure on Synchrony World Mastercards simplifies reward tracking. There's no need to activate bonus categories or remember which purchases qualify for higher rates—every purchase earns up to 2% unlimited cash back. With the Synchrony World Mastercards, you earn cash back on all spending categories, including:
- Groceries
- Gas
- Travel
- Restaurants
- Online shopping
- Hardware stores
- Drug stores
Any cash back earned is automatically applied as a statement credit within two billing cycles after eligible purchases, making redemption effortless. This hands-off approach simplifies the rewards redemption process and saves you time.
The amount of cash back you earn depends on your spending and the card you have. For example, with the Synchrony Premier World Mastercard 2% cash back, you would earn:
- $20 when spending $1,000 monthly
- $50 when spending $2,500 monthly
- $100 when spending $5,000 monthly
This simple and generous reward structure makes it easy to maximize your savings without any extra effort. Plus, with no earning caps, high spenders can take full advantage of unlimited cash back. Whether making small everyday purchases or larger transactions, cardholders earn a consistent 2% cash back on every eligible purchase with the Synchrony Premier World Mastercard.
2. The card has universal acceptance
Mastercard's network spans over 210 countries and territories, making it one of the most widely accepted credit cards worldwide. Whether you're in a major city like Tokyo or a small town in Germany, you can confidently use your Synchrony World Mastercard at millions of merchants, restaurants and service providers.
Additionally, if you prefer making digital payments over carrying a physical card, Synchrony Mastercards are compatible with leading mobile payment platforms, including:
- Apple Pay
- Google Pay
- Samsung Pay
This enables quick, contactless transactions at compatible terminals, reducing checkout time while adding extra layers of security. Since your physical card details are never shared during transactions, using a digital wallet enhances protection against fraud.
3. You get powerful security and fraud protection
As a World Mastercard holder, you can enroll in Mastercard ID Theft Protection™, a service designed to proactively monitor your personal information for potential identity theft. This service provides:
- An online monitoring dashboard to track potential threats
- Monthly risk and security tips to help you stay informed
- Identity monitoring that searches for compromised credentials
- Real-time alerts if your identity is used in suspicious circumstances
- An identity theft protection kit to assist with safe guarding your Information
Additionally, cardholders benefit from Zero Liability Protection, which means you won't be held responsible for unauthorized purchases made with your card. If your card is lost or stolen, Mastercard Global Service™ offers 24/7 support, including emergency card replacement and emergency cash advances.
4. You can access premium travel perks
As a Synchrony World Mastercard holder, you gain access to Mastercard Travel & Lifestyle Services, a program that offers exclusive travel benefits, luxury upgrades and special discounts across various sectors, including:
- Hotels: Enjoy discounts and select perks such as free breakfast and room upgrades.
- Tours: Get preferred rates with operators such as Swain Destinations, Globus, Villas of Distinction, Ker & Downey and more.
- Cruises: Enjoy up to 10% off.
- Car rentals: Get up to 10% off.
To be eligible for these offers, you must book with Mastercard Travel & Lifestyle Services. These premium travel perks are designed to enhance your journeys, ensuring both luxury and convenience every step of the way.
Tips To Maximize Your Card Benefits
Once you have a World Mastercard in your wallet, here's how you can maximize its full potential.
Use it whenever you can
Since Synchrony World Mastercards offer a fixed rate of cash back with no limits, using your credit card wherever it is accepted allows you to reap those rewards. Remember to add your card to your digital wallet so you can use it when you're not carrying a physical card.
Take advantage of World Mastercard benefits
As a World Mastercard cardholder, you have access to travel benefits such as discounts on attractions, car rentals, hotels, vacation packages and more. Before booking your travel, check Mastercard's travel site to see if any offers work for you.
Avoid interest charges
While cash back and World Mastercard perks are appealing, they lose their allure if you pay interest charges. Always try to pay the entire balance on your statement on time each month. This will limit additional fees and help keep your debt low.
Final Thoughts
Synchrony World Mastercards offer a compelling mix of rewards and benefits for cardholders. Depending on the card, you can earn up to 2% cash back on all eligible purchases, making it easy to earn rewards without tracking categories or spending limits.
Beyond cash back, both cards include World Mastercard benefits such as ID theft protection, exclusive travel perks and access to World Mastercard benefits. With no annual fee and a straightforward rewards structure, these cards can be a great choice for those who want a simple, hassle-free way to earn and enjoy valuable perks.
READ MORE: 10 Big Benefits of Using a Credit Card
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*2% and 1% CASHBACK: Valid on net purchases (less credits, returns and adjustments) of goods and services made with your Synchrony Mastercard. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made. See Reward Terms for details. NO ANNUAL FEE: For New Accounts: See rates and fees for details.