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 |
Rewards
2% cash back
Earn 2% cash back on every purchase
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each transaction converted to U.S. dollars |
| 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.
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
| 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