MASTERCARDMastercard World
Synchrony Premier World Mastercard®
- Annual Fee
- $0
- cash back · Welcome Bonus
- $100
Terms checked against the issuer on October 18, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard World
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $100 cash back
Spend: $1,000
Period: 2 months
Earning Rates
- 2%
All Other
Unlimited 2% cash back on all purchases
Benefits & Perks
Insurance & Protections
1 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Program & Transfers
Cash Back Rewards
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros and Cons
Pros
- +Unlimited 2% cash back on all purchases with no restrictions
- +No annual fee
- +No redemption requirements or account minimums
- +Cash back credited to your statement automatically within 2 billing periods
- +Mastercard ID Theft Protection and Mastercard Travel & Lifestyle Services
Cons
- -3% foreign transaction fee makes it poor for international use
- -No welcome bonus
- -Limited perks compared to premium cards
- -No bonus categories exceeding 2%
- -Synchrony has less robust mobile app and customer service than major banks
Who It's Best For
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 want cash back credited to the statement automatically
- 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 welcome bonus (the issuer lists none)
- Those preferring point-based rewards systems
The Math: Is $0 Worth It?
First-year value includes $100 welcome bonus
Welcome bonus$100
Annual credits (60% utilization)$0
Annual fee-$0
Net first-year value+$100
Credit Utilization (60%)
Annual credits$0
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 20.49%–33.24% (Variable) |
| Cash Advance APR | 23.49%–36.24% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| NerdWallet | — | NerdWallet |
| Synchrony Financial | — | Synchrony Financial |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Welcome offer |