Pros & Cons
Pros
- No annual fee
- 2% cash back
Cons
- No welcome bonus
- Foreign transaction fee
- Requires good credit
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Cell Phone Protection, Purchase Protection, ShopRunner, 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts, Concierge Services, Luggage Protection, Trip Delay Reimbursement, Travel Accident Insurance |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each transaction. |
| Regular APR | 16.24%, 22.24%, or 29.24% (V) APR |
What Credit Score Is Required to Get the Synchrony Premier
Based on data we’ve collected from public forums, a credit score of 720 or higher is ideal. We have seen an approval with a score as low as 690, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 01/03/2021 | TransUnion | ||
| Approved | 12/08/2021 | Experian | ||
| Approved | 01/03/2021 | Equifax | ||
| Approved | 01/03/2021 | Equifax | ||
| Approved | 08/11/2021 | TransUnion | ||
| Approved | 12/17/2020 | TransUnion |
What Are the Best Alternatives?
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Wells Fargo Active Cash Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
PayPal Cashback Mastercard
Rating
4.9
Rewards Range
2% to 3%
Annual Fee
$0