The Synchrony Premier World Mastercard® is a cashback flat rate card that could be used anywhere Mastercard is accepted. It receives the identical reward rate in all spending categories and mechanically returns the cash earned to the account.
Synchrony Bank doesn’t publish a minimum credit rating for the cardboard. The approval decision might also rely on your payment history, current debts, income, recent applications, and former Synchrony accounts.
What credit rating do you would like for the Synchrony Premier Mastercard?
If you’ve got a credit rating of not less than 670, you’ll have a great probability of being approved for the Synchrony Premier World Mastercard. Applicants with a credit rating above 700 can have a greater probability of being accepted.
Synchronicity doesn’t confirm an actual limit, so these ranges ought to be treated as estimates:
| Credit rating range | Estimated approval outlook |
|---|---|
| 740 or higher | Strong, based on full application |
| 700 to 739 | Competitive |
| 670 to 699 | Possible if you’ve got a solid credit profile |
| 640 to 669 | Approval could be difficult |
| Under 640 | Another Synchrony map may be more realistic |
No credit rating guarantees approval. Synchrony may make different decisions for 2 applicants with the identical credit rating.
For example, someone with a credit rating of 680, low balance, and years of on-time payments may pose a lower risk than someone with a credit rating of 730 who has had several recent late payments.
Is the eBay Mastercard still available?
The eBay Mastercard program ended on March 24, 2026. Cardholders will not have the ability to make use of the old card to make purchases, earn eBay Rewards Points, or redeem those points throughout the eBay checkout process.
Synchrony has transitioned eligible cardholders to one among its general-purpose Mastercard products. Substitution may vary depending on the cardholder’s account and credit profile.
The current Synchrony lineup includes:
- Synchrony Premier World Mastercard: Earn unlimited 2% money back on eligible purchases.
- Synchrony Plus World Mastercard: Earn unlimited 1% money back and is currently offered by invitation only.
- Synchrony Preferred Mastercard: Offers no refunds and is currently offered by invitation only.
The Synchrony Premier World Mastercard is the one card on this group currently open for direct applications.
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Is a credit rating of 670 enough for the Synchrony Premier Card?
A credit rating of around 670 could also be sufficient, nevertheless it is on the lower end of the likely approval range.
Your application may look stronger in case your credit report shows:
- Low rotating scales: Your bank card balance consumes a small portion of your total limit.
- Last on-time payments: No recent missed due dates will appear in your accounts.
- Stable income: Your income covers your existing debts and one other credit account.
- Limited current applications: Only just a few concrete inquiries or recent accounts appear.
- Established credit history: Older accounts show how you have managed your credit over time.
Synchrony may approve the cardboard with a lower credit limit or a better APR in case your credit profile is less competitive.
What else does Synchrony Bank keep in mind?
Your credit rating summarizes parts of your credit history, but Synchrony can review the person accounts behind that number.
Application review may include:
- Payment history: Recent late payments, collection accounts and charge-offs can hurt your probabilities.
- Credit utilization: High balances can indicate greater credit dependence.
- Income: Synchrony must determine whether you possibly can repay recent purchases.
- Existing debts: Large monthly commitments may leave less room for an additional account.
- Current inquiries: Multiple loan applications inside a brief time period can weaken your profile.
- Length of credit history: Older accounts provide more details about your credit behavior.
- Previous Synchrony accounts: Previous payment issues with one other Synchrony account may influence the choice.
Synchrony might also keep in mind how much credit it has already given you thru its other retail and Mastercard accounts.
Can you prequalify before applying?
Synchrony allows consumers to ascertain whether or not they pre-qualify for the Premier World Mastercard. The prequalification process can aid you evaluate your probabilities before submitting a full application.
Prequalification just isn’t a guarantee of admission. Synchrony should still reject the total application after reviewing your credit and financial information.
Before you apply:
- Check should you are prequalified.
- Check your Equifax, Experian and TransUnion credit reports.
- Check the balances in your existing bank cards.
- Confirm that your income information is correct.
- Check recent inquiries and newly opened accounts.
An entire application may end in a tough inquiry. Read the disclosure you’ll receive throughout the application process.
This will improve your possibilities of admission
The following steps can strengthen the parts of your credit profile that Synchrony is prone to review.
- Reduce card balance: Lower balances can improve your credit utilization and monthly money flow.
- Pay before billing dates: Paying early can reduce the quantity reported to the credit bureaus.
- Make every payment on time: Another late payment can significantly weaken an application.
- Correct errors on credit report: Dispute inaccurate accounts, balances or payment records.
- Stop other applications: Additional hard inquiries and recent accounts can reduce your probabilities.
- Keep older accounts open when practical: Older accounts can support length of credit history and total available credit.
- Accurately report eligible income: Include income which you can report on the appliance and which you can reasonably access.
Don’t consider 30% credit utilization as a super goal. Lower reported balances are generally higher. A credit utilization rate below 10% can support a stronger application.
Only request credit report information that’s inaccurate, incomplete, or doesn’t come from you.
What does the Synchrony Premier Mastercard offer?
Get unlimited 2% money back on eligible purchases with the Synchrony Premier World Mastercard. Earning rate applies to all categories, so that you need not activate quarterly offers or track spending limits.
Current advantages include:
- Unlimited 2% Cashback: The same flat rate applies to eligible purchases.
- Automatic redemptions: Cashback is applied as an announcement credit inside two billing cycles.
- No annual fee: There is not any annual account fee for the cardboard.
- Advantages of the World Mastercard: Cardholders can receive identity theft protection, travel services and access to pick out Mastercard experiences.
- Wide acceptance: The card works all over the place Mastercard is accepted.
You cannot redeem cashback for an eBay purchase during checkout. Rewards will now appear as statement credits moderately than eBay Points.
What rate of interest does the cardboard charge?
Synchrony currently lists three possible variable annual purchase percentages for brand spanking new Premier World Mastercard accounts: 17.49%, 26.49%, or 33.24%. The rate of interest you receive is dependent upon your creditworthiness.
The card also calculates:
- A transfer fee of 4% of the balance, minimum $10
- A 5% prepayment fee with a minimum spend of $10
- A 3% foreign transaction fee
- A minimum interest fee of $2
A high assigned APR can quickly negate the worth of two% money back. The card works best should you repay all the bill balance by the due date.
What to do if Synchrony rejects your application?
Synchrony should send an antagonistic motion notice following a rejection. The notice should state the first reasons and discover the credit reporting agency that issued the credit report.
Review the explanations listed before applying again. Common concerns may include high balances, recent missed payments, poor credit, excessive inquiries, or debts that appear large in comparison with income.
Check the credit report mentioned for inaccurate information. File a dispute directly with the credit reporting agency should you discover a confirmed error.
Avoid reapplying immediately unless there was an obvious error in the unique application. The same unresolved credit issues can lead to a different rejection.
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Is the Synchrony Premier Mastercard value it?
The Synchrony Premier World Mastercard is usually a strong on a regular basis card for somebody who wants easy rewards. The unlimited 2% cashback is consistent with the speed of several popular flat-rate cards, and the automated statement credit eliminates the necessity to manage redemptions.
The card doesn’t list a welcome bonus and charges a foreign transaction fee, which can make competing cards higher for international spending or applicants on the lookout for an introductory offer.
A credit rating of not less than 670 could put the cardboard within sight. Applicants over 700 can have a greater probability, but Synchrony also considers payment history, debts, income, balances, recent applications, and former Synchrony accounts.
