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Synchrony Preferred World Mastercard® card

Synchrony Preferred 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 / Fair
Card network
Mastercard
Regular purchase APR
16.74% to 23.74% variable based on creditworthiness and the Prime Rate
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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 Preferred World Mastercard® offers basic rewards and a simple redemption process, and more – all for no annual fee.

Our review of the Synchrony Preferred World Mastercard®

The Synchrony Preferred World Mastercard® is a credit builder rewards card designed for individuals with average or near-prime credit scores. This card stands out for its lack of an annual fee and Mastercard protection benefits, providing cardholders with peace of mind.

Pre-qualification and Preapproval

Synchrony offers an online pre-qualification process for their credit cards, including the top-tier Synchrony Premier World Mastercard®. Additionally, the bank sends preapproval offers based on credit score information from major credit bureaus.

Here is a comparison of Synchrony’s cash back credit cards:

CardAnnual FeeCash Back Rewards
Synchrony Preferred$0See terms
Synchrony Plus$0Unlimited 1% back
Synchrony Premier$0Unlimited 2% back

Limited Features

While the Synchrony Preferred World Mastercard® lacks robust features, such as sign-up bonuses and 0% APR offers, it serves as a no-nonsense credit builder card. This card is ideal for those looking to improve their credit and transition to higher-tier cards in the future

Petal Cards Offer Competition

Petal credit cards provide stiff competition to Synchrony with their range of credit cards tailored to different credit profiles. Here are Petal’s credit card offerings:

CardAnnual FeeCredit LimitRewards
Petal 1$0*$300 to $5,0002% to 10% back at select merchants
Petal 1 Rise$59*$300 to $3,5002% to 10% back at select merchants
Petal 2$0*$30 to $10,0001% to 1.5% cash back on all purchases

Other Card Features

Despite limited features for a World Mastercard, the Synchrony Preferred World Mastercard® offers benefits like no annual fee, EMV chip technology, and cell phone protection. Cardholders can also enjoy basic Mastercard protections and security features.

Should You Apply for the Synchrony Preferred World Mastercard®?

While the Synchrony Preferred World Mastercard® has its advantages, such as no annual fee and an online pre-qualification process, it may not offer as much value compared to other similar cards. Consider exploring alternatives like the Petal 2 Visa® or the Mercury Mastercard for better rewards and benefits. Make an informed decision based on your credit needs and spending habits.

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 credit
  • You prefer cash back rewards as a statement credit
  • 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 $10 or 4% of the amount of each balance 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 Fair Credit.

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Synchrony Preferred World Mastercard®

Apply Now for Synchrony Preferred 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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Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% for 15 months from account opening date
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