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Synchrony Premier Mastercard Review
Home / Credit Cards / Synchrony Premier Mastercard MASTERCARD Mastercard World
Synchrony Premier Mastercard Overview Benefits Program Reviews Details Media
Foreign Transaction Fee
3%
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Insurance & Protections Combined Protection Value
$1,851
$600 cell phone protection $600
Up to $600 per claim if your cellphone is stolen or damaged. Maximum of 2 claims per 12-month period. To qualify, you must pay your monthly cell bill
Coverage against damage or theft
Covers new purchases against damage or theft for 120 days from the purchase date.
Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros + Unlimited 2% cash back on all purchases with no restrictions + No annual fee + No redemption requirements or account minimums + Simple redemption as statement credit or direct deposit + Extended warranty protection included + ID theft protection + $100 welcome bonus after $1,500 spend in 3 months Cons - 3% foreign transaction fee makes it poor for international use - Modest $100 welcome bonus with high $1,500 spend requirement - $25 minimum redemption threshold - Limited perks compared to premium cards Details & Terms
Purchase APR 19.99%–29.99% (Variable) Cash Advance APR 29.99% (Variable) Foreign Transaction Fee 3% Authorized User Fee $0
Home / Credit Cards / Synchrony Premier Mastercard MASTERCARD Mastercard World
Synchrony Premier Mastercard Overview Benefits Program Reviews Details Media
Foreign Transaction Fee
3%
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Insurance & Protections Combined Protection Value
$1,851
$600 cell phone protection $600
Up to $600 per claim if your cellphone is stolen or damaged. Maximum of 2 claims per 12-month period. To qualify, you must pay your monthly cell bill
Coverage against damage or theft
Covers new purchases against damage or theft for 120 days from the purchase date.
Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros + Unlimited 2% cash back on all purchases with no restrictions + No annual fee + No redemption requirements or account minimums + Simple redemption as statement credit or direct deposit + Extended warranty protection included + ID theft protection + $100 welcome bonus after $1,500 spend in 3 months Cons - 3% foreign transaction fee makes it poor for international use - Modest $100 welcome bonus with high $1,500 spend requirement - $25 minimum redemption threshold - Limited perks compared to premium cards Details & Terms
Purchase APR 19.99%–29.99% (Variable) Cash Advance APR 29.99% (Variable) Foreign Transaction Fee 3% Authorized User Fee $0
Home / Credit Cards / Synchrony Premier Mastercard MASTERCARD Mastercard World
Synchrony Premier Mastercard Overview Benefits Program Reviews Details Media
Foreign Transaction Fee
3%
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Insurance & Protections Combined Protection Value
$1,851
$600 cell phone protection $600
Up to $600 per claim if your cellphone is stolen or damaged. Maximum of 2 claims per 12-month period. To qualify, you must pay your monthly cell bill
Coverage against damage or theft
Covers new purchases against damage or theft for 120 days from the purchase date.
Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros + Unlimited 2% cash back on all purchases with no restrictions + No annual fee + No redemption requirements or account minimums + Simple redemption as statement credit or direct deposit + Extended warranty protection included + ID theft protection + $100 welcome bonus after $1,500 spend in 3 months Cons - 3% foreign transaction fee makes it poor for international use - Modest $100 welcome bonus with high $1,500 spend requirement - $25 minimum redemption threshold - Limited perks compared to premium cards Details & Terms
Purchase APR 19.99%–29.99% (Variable) Cash Advance APR 29.99% (Variable) Foreign Transaction Fee 3% Authorized User Fee $0
+12 months extended warranty (up to $10K) Doubles the manufacturer's warranty by up to 12 months on purchases, with coverage up to $10,000 per item.
Credit file monitoring and fraud alerts
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Show all 9 protections
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Identity theft recovery assistance
Access professional recovery services if you become a victim of identity theft.
$1,000/claim purchase protection (90 days) $1,000
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Price match within 120 days ($250 max) $250
Get refunded the price difference if you find a lower advertised price within 120 days, up to $250 per claim.
Up to 1 year extended warranty $1
Get an extra year of warranty coverage on items purchased with your Synchrony Premier card.
- No price protection (unlike some Mastercard World cards)
- No bonus categories exceeding 2%
- Synchrony has less robust mobile app and customer service than major banks Best For ✓ Those seeking a simple 2% flat-rate card with no hoops to jump through ✓ People who prefer straightforward cash back without category tracking ✓ Synchrony existing customers familiar with the bank ✓ Those who prefer statement credit or direct deposit redemptions ✓ Users wanting a backup 2% card with no annual fee Not Ideal For ✗ International travelers (3% foreign transaction fee) ✗ Those seeking premium travel benefits or perks ✗ Cardholders who want bonus categories above 2% ✗ People seeking a strong welcome bonus (only $100) ✗ Those preferring point-based rewards systems
+12 months extended warranty (up to $10K) Doubles the manufacturer's warranty by up to 12 months on purchases, with coverage up to $10,000 per item.
Credit file monitoring and fraud alerts
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Show all 9 protections
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Identity theft recovery assistance
Access professional recovery services if you become a victim of identity theft.
$1,000/claim purchase protection (90 days) $1,000
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Price match within 120 days ($250 max) $250
Get refunded the price difference if you find a lower advertised price within 120 days, up to $250 per claim.
Up to 1 year extended warranty $1
Get an extra year of warranty coverage on items purchased with your Synchrony Premier card.
- No price protection (unlike some Mastercard World cards)
- No bonus categories exceeding 2%
- Synchrony has less robust mobile app and customer service than major banks Best For ✓ Those seeking a simple 2% flat-rate card with no hoops to jump through ✓ People who prefer straightforward cash back without category tracking ✓ Synchrony existing customers familiar with the bank ✓ Those who prefer statement credit or direct deposit redemptions ✓ Users wanting a backup 2% card with no annual fee Not Ideal For ✗ International travelers (3% foreign transaction fee) ✗ Those seeking premium travel benefits or perks ✗ Cardholders who want bonus categories above 2% ✗ People seeking a strong welcome bonus (only $100) ✗ Those preferring point-based rewards systems
+12 months extended warranty (up to $10K) Doubles the manufacturer's warranty by up to 12 months on purchases, with coverage up to $10,000 per item.
Credit file monitoring and fraud alerts
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Show all 9 protections
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Identity theft recovery assistance
Access professional recovery services if you become a victim of identity theft.
$1,000/claim purchase protection (90 days) $1,000
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Price match within 120 days ($250 max) $250
Get refunded the price difference if you find a lower advertised price within 120 days, up to $250 per claim.
Up to 1 year extended warranty $1
Get an extra year of warranty coverage on items purchased with your Synchrony Premier card.
- No price protection (unlike some Mastercard World cards)
- No bonus categories exceeding 2%
- Synchrony has less robust mobile app and customer service than major banks Best For ✓ Those seeking a simple 2% flat-rate card with no hoops to jump through ✓ People who prefer straightforward cash back without category tracking ✓ Synchrony existing customers familiar with the bank ✓ Those who prefer statement credit or direct deposit redemptions ✓ Users wanting a backup 2% card with no annual fee Not Ideal For ✗ International travelers (3% foreign transaction fee) ✗ Those seeking premium travel benefits or perks ✗ Cardholders who want bonus categories above 2% ✗ People seeking a strong welcome bonus (only $100) ✗ Those preferring point-based rewards systems
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