Synchrony Premier World Mastercard®
MastercardIssued by Synchrony Bank
Earn unlimited 2% cash back on all purchases with no categories to track. Rewards are automatically applied as statement credits.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
17.49% – 33.24%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
-
No welcome bonus is currently available for new cardholders.
TOP CASH BACK
2% cash back
Earn an unlimited 2% cash back on every purchase, automatically applied as a statement credit.
Key Benefits
- Unlimited 2% cash back on every purchase
- Cash back is automatically applied as a statement credit within two billing cycles
- No caps on rewards and no category tracking required
- Part of the Mastercard World tier with enhanced travel and security perks
- Paper statement fee of $1.99 (waivable with paperless billing)
Important Limitations
- Carrying a balance (High APR reaching up to 33.24%)
- International travel (3% foreign transaction fee)
- Users looking for a high sign-up bonus (none provided)
Rewards Structure
All
2% cash backAnnual limits
Unlimited (no annual cap)
Details
Earn an unlimited 2% cash back on every purchase, automatically applied as a statement credit.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| All | 2% cash back | Unlimited (no annual cap) | Earn an unlimited 2% cash back on every purchase, automatically applied as a statement credit. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
17.49% – 33.24%
CASH ADVANCE APR
20.49% – 36.24%
FOREIGN TRANSACTION FEE
3%
LATE PAYMENT FEE
$41
BALANCE TRANSFER FEE
$10 OR 4%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Mastercard ID Theft Protection™
- ✓Proactive monitoring of your personal information and resolution services if identity theft occurs.
Lyft Monthly Credit
- ✓Take 3 rides in a month and receive a $5 Lyft credit (once per month).
Security Features
- ✓Zero Liability Protection – Protection against unauthorized transactions in-store, online, and in-app.
Best Use Cases
IDEAL FOR
- People who want simple, unlimited 2% cash back on everything
- Users who prefer automatic statement credits without manual redemption
- Cardholders who don't want to track categories or quarterly bonuses
NOT RECOMMENDED FOR
- Carrying a balance (High APR reaching up to 33.24%)
- International travel (3% foreign transaction fee)
- Users looking for a high sign-up bonus (none provided)
Maximize Your Rewards Strategy
Earn More Cash Back
- 2% cash back on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-866-396-8254
Terms subject to change · View full terms
Last updated: Feb 18, 2026
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