Frequently asked questions
Have questions? We have answers.
What are the three different variations of Synchrony Mastercard?
There are threee types of Synchrony Mastercard, which are Synchrony Plus World Mastercard®, Synchrony Premier World Mastercard® and Synchrony Preferred Mastercard®.
What are the benefits of 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
What are the benefits of 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
What are the benefits of Synchrony Preferred Mastercard®?
A card that fits into any wallet.
- Mastercard ID Theft Protection™
- Mastercard Travel & Lifestyle Services
- Priceless Experiences
*Subject to credit approval:
CASHBACK REWARDS: Valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier World Mastercard® or Synchrony Plus World 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 the Synchrony Premier World Mastercard® Rewards Terms or Synchrony Plus World Mastercard® Rewards Terms for details.
NO ANNUAL FEE: New Accounts as of January 1, 2026: Variable Purchase APR 17.49%, 26.49%, or 33.24%. Variable Bal Trans APR 17.49%, 26.49% or 33.24% and 4% Fee ($10 min). Variable Cash APR 20.49%, 29.49% or 36.24% and 5% Fee ($10 min). Variable Penalty APR 27.49%, 36.49% 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 and World Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. ©2026 Mastercard
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