{"id":180816,"date":"2024-10-12T18:00:38","date_gmt":"2024-10-12T18:00:38","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=180816\/"},"modified":"2024-10-14T10:10:46","modified_gmt":"2024-10-14T10:10:46","slug":"synchrony-premier-mastercard","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/synchrony-premier-mastercard\/","title":{"rendered":"Synchrony Premier Mastercard Review: 2% Cash Back on Every Purchase, No Annual Fee"},"content":{"rendered":"<p>The <a data-ccid=\"4048268\" href=\"\/blog\/link\/CR-SynchronyPremierWorldMastercard\" rel=\"noopener nofollow sponsored\">Synchrony Premier World Mastercard<sup>\u00ae<\/sup><\/a> is a cash-back credit card with the power of Mastercard Travel and Lifestyle Services. If you're looking for simple rewards with no limits on the cash back you can earn, no categories to remember, and no effort or knowledge required to redeem, the Synchrony Premier Mastercard could be a great choice.<\/p>\n<p>Even though it's not a traditional travel rewards card, its Mastercard benefits can unlock complimentary perks like daily breakfast for two and room upgrades at more than 4,000 luxury hotels. Plus, cardholders can benefit from Mastercard's Lowest Hotel Rate Guarantee and discounts with select travel companies. Here's what you need to know to decide if it's right for you.<\/p>\n<div class=\"qs-card\" data-id=\"4048268\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Synchrony Premier World Mastercard<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11536813.png\" width=\"150\" alt=\"Synchrony Premier World Mastercard\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048268\" href=\"\/blog\/link\/CR-SynchronyPremierWorldMastercard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nN\/A<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Synchrony Premier World Mastercard<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nN\/A<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Synchrony Premier World Mastercard<sup>\u00ae<\/sup> offers unlimited 2% cash back on every purchase without category restrictions, making it an excellent choice for straightforward earning. The card also features no annual fee, and access to World Mastercard benefits like ID theft protection, Mastercard Travel and Lifestyle Services, Priceless<sup>\u00ae<\/sup> Experiences, and more.<\/div><div class=\"qs-tab-hl\"><ul><li>2% cash back* on every purchase--no categories, tiers, or limits--no kidding.<\/li><li>No annual fee^<\/li><li>Zero Liability Protection<\/li><li>Secure online and mobile app account access<\/li><li>Get more out of every day purchases -- earn 2% cash back with the Synchrony Premier World Mastercard. No complicated math or rewards categories to remember.<\/li><li>Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.<\/li><li>*CASH BACK REWARDS: Subject to credit approval. Valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier World Mastercard. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made. Cash advances, fees and interest charges do not qualify to earn cash back. Account must be open and in good standing at the time the purchase is made and the statement credit is applied. See Rewards Program Terms for details.<\/li><li>^NO ANNUAL FEE: New Accounts as of October 1, 2025: Variable Purchase APR 17.99%, 26.99%, or 33.74%. Variable Balance Transfer APR 17.99%, 26.99% or 33.74% and 4% Fee ($10 min). Variable Cash APR 20.99%, 29.99% or 36.74% and 5% Fee ($10 min). Variable Penalty APR 27.99%, 36.99%, or 39.99%. Minimum Interest Charge is $2. Foreign Transaction Fee is 3%.<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2% cash back on every purchase<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SynchronyPremier\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-69271f2c6#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Synchrony_Premier_Mastercard_Pros\">Synchrony Premier Mastercard Pros<\/a><\/li><li><a href=\"#Synchrony_Mastercard_Cons\">Synchrony Mastercard Cons<\/a><\/li><li><a href=\"#Welcome_Offer_From_Synchrony_Bank\">Welcome Offer From Synchrony Bank<\/a><\/li><li><a href=\"#Synchrony_Premier_Mastercard_Benefits\">Synchrony Premier Mastercard Benefits<\/a><ul><li><a href=\"#No_annual_fee\">No annual fee<\/a><\/li><li><a href=\"#ID_theft_protection\">ID theft protection<\/a><\/li><li><a href=\"#Mastercard_Travel_Lifestyle_Services\">Mastercard Travel & Lifestyle Services<\/a><\/li><li><a href=\"#Mastercard_Global_Service\">Mastercard Global Service<\/a><\/li><li><a href=\"#Mastercard_Priceless_Experiences\">Mastercard Priceless Experiences<\/a><\/li><\/ul><\/li><li><a href=\"#Synchrony_Premier_Mastercard_Earning_Rates\">Synchrony Premier Mastercard Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Rewards_With_the_Synchrony_Premier_Mastercard\">Redeeming Rewards With the Synchrony Premier Mastercard<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Synchrony_Premier_Mastercard\">Cards That Compete With the Synchrony Premier Mastercard<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Synchrony_Premier_Mastercard_Pros\">Synchrony Premier Mastercard Pros<\/span><\/h2>\n<ul>\n<li>Unlimited 2% cash back<\/li>\n<li>Access to Mastercard Travel and Lifestyle Services<\/li>\n<li>$0 annual fee<\/li>\n<\/ul>\n<h2><span id=\"Synchrony_Mastercard_Cons\">Synchrony Mastercard Cons<\/span><\/h2>\n<ul>\n<li>No welcome offer<\/li>\n<li>This card does not earn travel rewards<\/li>\n<li>Has foreign transaction fees of 3%<\/li>\n<\/ul>\n<h2><span id=\"Welcome_Offer_From_Synchrony_Bank\">Welcome Offer From Synchrony Bank<\/span><\/h2>\n<p>The <a data-ccid=\"4048268\" href=\"\/blog\/link\/CR-SynchronyPremierWorldMastercard\" rel=\"noopener nofollow sponsored\">Synchrony Premier Mastercard<\/a> does not have a welcome offer. Although this isn't uncommon for a card with no annual fee, there are a few competitors we'll cover below that outshine Synchrony Bank with an enticing welcome bonus for new cardholders.<\/p>\n<figure id=\"attachment_179297\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-179297 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Laptop-Phone-Featured-Andrea-Piacquadio-Pexels.png\" alt=\"Woman holding a phone and looking at her laptop.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Laptop-Phone-Featured-Andrea-Piacquadio-Pexels.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Laptop-Phone-Featured-Andrea-Piacquadio-Pexels-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Laptop-Phone-Featured-Andrea-Piacquadio-Pexels-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Laptop-Phone-Featured-Andrea-Piacquadio-Pexels-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Andrea Piacquadio\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Synchrony_Premier_Mastercard_Benefits\">Synchrony Premier Mastercard Benefits<\/span><\/h2>\n<h3><span id=\"No_annual_fee\">No annual fee<\/span><\/h3>\n<p>There is no annual fee attached to the <a data-ccid=\"4048268\" href=\"\/blog\/link\/CR-SynchronyPremierWorldMastercard\" rel=\"noopener nofollow sponsored\">Synchrony Premier Mastercard<\/a>. However, a 3% foreign transaction fee makes this a less-than-ideal card for international trips.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-benefits-no-annual-fee-cards\/\" rel=\"noopener\">Our Favorite Benefits on Credit Cards With No Annual Fee<\/a><\/strong><\/p>\n<h3><span id=\"ID_theft_protection\">ID theft protection<\/span><\/h3>\n<p>All U.S. consumer Mastercard credit cardholders are eligible for free ID theft protection. Enroll in this feature to receive alerts in the event of a possible identity theft including on the dark web. If you're unlucky enough to become a victim of fraud or identity theft, Mastercard's U.S.-based resolution team can help you prevent further damage and get back on your feet.<\/p>\n<h3><span id=\"Mastercard_Travel_Lifestyle_Services\">Mastercard Travel & Lifestyle Services<\/span><\/h3>\n<p>Mastercard Travel & Lifestyle Services is available to you as a World Mastercard cardholder which includes special amenities, including upgrades, preferential treatment, and a lifestyle concierge. <a target=\"_blank\" href=\"https:\/\/travel.mastercard.com\/product\/mastercard\/homepage\" rel=\"noopener\">These benefits<\/a> are across hotels, air travel, tours, cruises, and car rentals.<\/p>\n<p>Mastercard Lowest Hotel Rate Guarantee and Mastercard Hotel Stay Guarantee are also perks of Mastercard Travel Lifestyle Services.<\/p>\n<figure id=\"attachment_135508\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-135508 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash-1024x819.jpg\" alt=\"The Synchrony Premier Mastercard offers perks like upgrades and breakfast at over 4,000 four- and five-star luxury hotels and resorts.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash-1024x819.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Featured-Hilton-resort-overwater-bungalow-Maldives-Matheen-Faiz-unsplash.jpg 1200w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Matheen Faiz\/Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"Mastercard_Global_Service\">Mastercard Global Service<\/span><\/h3>\n<p>You'll get 24-hour assistance through Mastercard Global Service if your Synchrony Premier Mastercard is lost or stolen. You are not responsible for any unauthorized transactions made on your account when you report it lost or stolen. Call toll-free from over 80 countries.<\/p>\n<h3><span id=\"Mastercard_Priceless_Experiences\">Mastercard Priceless Experiences<\/span><\/h3>\n<p>As a <a data-ccid=\"4048268\" href=\"\/blog\/link\/CR-SynchronyPremierWorldMastercard\" rel=\"noopener nofollow sponsored\">Synchrony Premier Mastercard<\/a> holder, you'll also get access to Mastercard Priceless. The program permits cardholders entrance to unique travel, culinary, art, and sporting events and installations.<\/p>\n<h2><span id=\"Synchrony_Premier_Mastercard_Earning_Rates\">Synchrony Premier Mastercard Earning Rates<\/span><\/h2>\n<p>You can earn an unlimited 2% cash back on every purchase made with the Synchrony Premier Mastercard. Thankfully, you never have to keep up with earning tiers or bonus categories with this card.<\/p>\n<p>However, it's worth noting that the 2% cash back is valid on net purchases (less credits, returns and adjustments) of goods and services. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made, as long as your account is open and in good standing.<\/p>\n<figure id=\"attachment_179296\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-179296 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Shopping-Featured-Brett-Sayles-Pexels.png\" alt=\"Woman carrying flowers at a farmer's market.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Shopping-Featured-Brett-Sayles-Pexels.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Shopping-Featured-Brett-Sayles-Pexels-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Shopping-Featured-Brett-Sayles-Pexels-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Shopping-Featured-Brett-Sayles-Pexels-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Brett Sayles\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Redeeming_Rewards_With_the_Synchrony_Premier_Mastercard\">Redeeming Rewards With the Synchrony Premier Mastercard<\/span><\/h2>\n<p>Your cash-back rewards are automatically credited to your statement each month. There's no need to manually log in and apply any of your rewards. In other words, the Synchrony Premier Mastercard requires very little effort to manage.<\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>Little is known about the application restrictions for the <a data-ccid=\"4048268\" href=\"\/blog\/link\/CR-SynchronyPremierWorldMastercard\" rel=\"noopener nofollow sponsored\">Synchrony Premier Mastercard<\/a>. However, as details on emerge about who is and isn't approved for the card, we'll be sure to update this section.<\/p>\n<p>Presently, there are no published limitations on the number of Synchrony cards you can have at once, nor are there known restrictions on the amount of time that needs to elapse between applications. That said, you should remember that frequent applications for credit can negatively impact your <a target=\"_blank\" href=\"\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">credit score<\/a>.<\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Synchrony_Premier_Mastercard\">Cards That Compete With the Synchrony Premier Mastercard<\/span><\/h2>\n<p>For the right person, the Synchrony Premier Mastercard can make a lot of sense. However, it's not for everyone. If that includes you, here are three additional options to consider:<\/p>\n<ul>\n<li><strong>If you want a cash-back credit card with more ways to redeem your rewards<\/strong>, check out the <a data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" rel=\"noopener nofollow sponsored\">Chase Freedom Flex\u2120<\/a>. This no-annual-fee credit card from Chase earns 5% on rotating bonus categories (up to $1,500 per quarter), 5% on travel purchased through Chase, 3% on dining at restaurants and drugstore purchases and 1% on other eligible purchases. Pair this card with an Ultimate Rewards-earning credit card from Chase and transfer your cash-back earnings to Ultimate Rewards, which you can then transfer to Chase's transfer partners. <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" rel=\"noopener\">Learn more about the Freedom Flex in our full review<\/a>.<\/li>\n<li><strong>If you prefer a card that earns flexible travel rewards<\/strong>, consider the <a data-ccid=\"3006151\" href=\"\/blog\/link\/CR-COV\" rel=\"noopener nofollow sponsored\">Capital One Venture Rewards Credit Card<\/a>. For a $95 annual fee, this card earns an unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel and 2X miles on all other purchases. You can redeem your rewards for travel through the Capital One Travel portal, transfer them to travel partners, or redeem them for cash back or gift cards. Check out our <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/venture-card\/\" rel=\"noopener\">full review of the Capital One Venture for more<\/a>.<\/li>\n<li><strong>If you're looking for an everyday cash-back credit card that rewards you for your most common expenses<\/strong>, then the <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/a> might be right for you. Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back on eligible purchases at U.S. gas stations and on transit, including taxis\/rideshare, parking, tolls, trains, buses and more; and 1% cash back on other eligible purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. The card has a $0 intro annual fee for the first year, then $95 (<a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), so it's one you can take for a test drive. View our <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/amex-blue-cash-preferred\/\" rel=\"noopener\">full review of the Blue Cash Preferred for all the details<\/a>.<\/li>\n<\/ul>\n<p class=\"p1\"><div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/01\/CardArt-ChaseFreedomFlexCard.png\" width=\"150\" alt=\"Chase Freedom Flex\u2120\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Flex\u2120<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" target=_blank rel=\"noopener nofollow sponsored\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on up to $1,500 on combined purchases in <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" =_blank>bonus categories<\/a> each quarter you activate<\/li>\r\n<li>Earn 5% on travel purchased through Chase Ultimate Rewards<\/li>\r\n<li>Earn 3% on dining at restaurants, including takeout and eligible delivery services<\/li>\r\n<li>Earn 3% on drugstore purchases<\/li>\r\n<li>Earn 1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/dfed8cb4-d376-4c8b-aed4-1997afa3d66a.png\" width=\"150\" alt=\"Capital One Venture Rewards Credit Card\" class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Venture Rewards Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a $250 Capital One Travel credit in your first cardholder year. <\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Capital One Venture Rewards Credit Card' href=\"\/blog\/link\/CR-COV\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment <\/li>\r\n<li>5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel<\/li>\r\n<li>2X miles per dollar on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/da0edfdc-e3f5-4c89-9af0-94cee8a7356e.jpg\" width=\"150\" alt=\"Blue Cash Preferred\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Preferred\u00ae Card from American Express' data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0 intro annual fee for the first year, then $95<span class=\"compare-terms\"><a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>6% Cash Back on select U.S. streaming subscriptions<\/li>\r\n \t<li>6% Cash Back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)<\/li>\r\n        <li>3% Cash Back on eligible transit purchases including taxis\/rideshare, parking, tolls, trains, buses and more<\/li>\r\n \t<li>3% Cash Back on eligible purchases at U.S. gas stations<\/li>\r\n        <li>1% Cash Back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n \t<\/li><\/ul><\/div><\/div><\/div><\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-everyday-credit-card\/\" rel=\"noopener\">The Best Credit Cards for Everyday Purchases<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The only true difference between the <a data-ccid=\"4048268\" href=\"\/blog\/link\/CR-SynchronyPremierWorldMastercard\" rel=\"noopener nofollow sponsored\">Synchrony Premier Mastercard<\/a> and other cash-back cards lies in the Mastercard-specific card benefits. It could be positioned as a travel or lifestyle card, however, with 3% foreign transaction fees, it's hardly the best card for travel. And while 2% cash back is all well and good, there are other credit cards like the ones listed above that offer applicants a lot more.<\/p>\n<p>Still, the simple cash-back redemption scheme and no bonus categories to keep up with is appealing.<\/p>\n<div class=\"qs-card\" data-id=\"4048268\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Synchrony Premier World Mastercard<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11536813.png\" width=\"150\" alt=\"Synchrony Premier World Mastercard\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048268\" href=\"\/blog\/link\/CR-SynchronyPremierWorldMastercard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nN\/A<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Synchrony Premier World Mastercard<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nN\/A<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Synchrony Premier World Mastercard<sup>\u00ae<\/sup> offers unlimited 2% cash back on every purchase without category restrictions, making it an excellent choice for straightforward earning. The card also features no annual fee, and access to World Mastercard benefits like ID theft protection, Mastercard Travel and Lifestyle Services, Priceless<sup>\u00ae<\/sup> Experiences, and more.<\/div><div class=\"qs-tab-hl\"><ul><li>2% cash back* on every purchase--no categories, tiers, or limits--no kidding.<\/li><li>No annual fee^<\/li><li>Zero Liability Protection<\/li><li>Secure online and mobile app account access<\/li><li>Get more out of every day purchases -- earn 2% cash back with the Synchrony Premier World Mastercard. No complicated math or rewards categories to remember.<\/li><li>Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.<\/li><li>*CASH BACK REWARDS: Subject to credit approval. Valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier World Mastercard. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made. Cash advances, fees and interest charges do not qualify to earn cash back. Account must be open and in good standing at the time the purchase is made and the statement credit is applied. See Rewards Program Terms for details.<\/li><li>^NO ANNUAL FEE: New Accounts as of October 1, 2025: Variable Purchase APR 17.99%, 26.99%, or 33.74%. Variable Balance Transfer APR 17.99%, 26.99% or 33.74% and 4% Fee ($10 min). Variable Cash APR 20.99%, 29.99% or 36.74% and 5% Fee ($10 min). Variable Penalty APR 27.99%, 36.99%, or 39.99%. Minimum Interest Charge is $2. Foreign Transaction Fee is 3%.<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2% cash back on every purchase<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SynchronyPremier\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-69271f2c6#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Synchrony Premier World Mastercard is a cash-back card that earns an unlimited 2% back on all purchases. There are no special earning categories to keep track of, and your cash-back rewards are automatically applied to your balance as a statement credit each month. The card also gives access to Mastercard Travel &#038; Lifestyle Services, Mastercard Global Service, and Mastercard Priceless experiences. Here&#8217;s our full Synchrony Premier Mastercard review.<\/p>\n","protected":false},"author":76,"featured_media":181859,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,14943],"coauthors":[36406],"class_list":["post-180816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-synchrony"],"acf":[],"yoast_head":"<title>Synchrony Premier Mastercard Card Review<\/title>\n<meta name=\"description\" content=\"The Synchrony Premier World Mastercard earns an unlimited 2% cash back on all purchases and grants Mastercard Travel &amp; Lifestyle Services.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/synchrony-premier-mastercard\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Synchrony Premier Mastercard Review: 2% Cash Back on Every Purchase, No Annual Fee\" \/>\n<meta property=\"og:description\" content=\"The Synchrony Premier World Mastercard earns an unlimited 2% cash back on all purchases and grants Mastercard Travel &amp; Lifestyle Services.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/synchrony-premier-mastercard\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-12T18:00:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-14T10:10:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Featured_lifestyle-photo-couple-overlooking-the-water-and-buildings-in-Santorini.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ashley Onadele\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" 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