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Synchrony Plus World Mastercard®

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

    Annual fee
    None
    Recommended credit
    Good
    Card network
    Mastercard
    Regular purchase APR
    16.74% to 23.74% variable based on creditworthiness and the Prime Rate
    Apply Now for Synchrony Plus World Mastercard® (opens in a new tab)Compare this card
    Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

    At a glance

    The Synchrony Plus World Mastercard® offers unli8mited 1% cash back on all purchases plus a simple redemption process, and more with a $0 annual fee.

    Our review of the Synchrony Plus World Mastercard®

    The Synchrony Plus World Mastercard is a solid cash back credit card option from Synchrony, offering a $0 annual fee and unlimited 1% cash back on purchases. While it may not be the most revolutionary card out there, it can be a good choice for those looking to build credit.

    Earn Unlimited 1% Cash Back

    One of the main selling points of the Synchrony Plus Mastercard is its $0 annual fee and unlimited 1% cash back on eligible purchases. While this may not be the highest cash back rate available, it can still be a valuable feature for those who pay their balance in full each month.

    Limited Redemption Options

    Redeeming rewards with the Perks™ Rewards Program is easy, with cash back automatically applied as a monthly statement credit. While this may not offer a wide range of redemption options, it can be a convenient way to save on bills.

    Other Cards to Consider for Good Credit

    While the Synchrony Plus World Mastercard is a solid option, there are other cards available with higher cash back rates and more benefits. Cards like the Upgrade Cash Rewards Visa® offer 1.5% cash back on purchases and are designed for average credit scores

    Other Card Features

    The Synchrony Plus World Mastercard offers basic Mastercard protection features, including EMV chip technology and cell phone protection. While it may not have as many bells and whistles as other cards, it still provides valuable security features.

    Should You Apply for the Synchrony Plus World Mastercard®?

    Overall, the Synchrony Plus World Mastercard can be a good option for those looking for a simple cash back card with no annual fee. However, if you’re looking for higher cash back rates or more benefits, you may want to consider other cards from Synchrony or other issuers

    Card features

    Benefits as listed on the original card page. They can change; confirm details with the issuer.

    • No annual fee
    • Earn unlimited 1% cash back rewards on every purchase
    • Contactless payment compatibility

    Who this card may suit

    • You have good or excellent credit
    • You prefer basic cash back rewards as a statement credit instead of other rewards
    • You don’t want to pay an annual fee

    Rates, fees and terms

    Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
    Annual FeeNone
    Regular Purchase APR16.74% to 23.74% variable based on creditworthiness and the Prime Rate
    Balance Transfer APR16.74% to 23.74% variable based on creditworthiness and the Prime Rate
    Balance Transfer Transaction FeeEither $5 or 3% of the amount of each transfer, whichever is greater
    Cash Advance APR29.99%
    Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
    Foreign Transaction Fee3% of the transaction amount in U.S. dollars
    Late Payment Penalty FeeUp to $41
    Return Payment Penalty Fee: $39

    Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit.

    Apply Now for Synchrony Plus World Mastercard® (opens in a new tab)View issuer terms for Synchrony Plus World Mastercard® (opens in a new tab)

    Synchrony Plus World Mastercard®

    Apply Now for Synchrony Plus World Mastercard® (opens in a new tab)

    You will leave this site for the issuer’s page. Confirm current terms there.

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