Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard World
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Bonus: $100 cash back
Spend: $1,500
Period: 3 months
Benefits & Perks
Combined Protection Value
$1,601
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
Access professional recovery services if you become a victim of identity theft.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 17.49%–33.24% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| NerdWallet | — | NerdWallet |
| Synchrony Financial | — | Synchrony Financial |
| RewardsCC API | — | RewardsCC API |
Doubles the manufacturer's warranty by up to 12 months on purchases, with coverage up to $10,000 per item.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Covers new purchases against damage or theft for 120 days from the purchase date.
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Get an extra year of warranty coverage on items purchased with your Synchrony Premier card.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| Issuer Page | Issuer Page: Multiple card facts |
| Issuer Page | Issuer Page: Multiple card facts |
| Issuer Page | Issuer Page: Apr |
