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Synchrony Premier World Mastercard | Credit Cards


How to Maximize Rewards With the Synchrony Premier World Mastercard

With the Synchrony Premier World Mastercard, you receive 2% cash back on every purchase, with no limit on earnings. The issuer touts the simplicity of this card’s rewards program, noting that you won’t need to track or opt in to bonus categories or manage spending limits. You can enter your estimated monthly spending into a calculator on the card’s website to see how much cash back you might earn.

Comparisons With Other Credit Cards

Annual fee: You won’t pay an annual fee with either card.

Rewards: The Synchrony Premier World Mastercard earns 2% cash back on every purchase with no cap on rewards. With the Citi Double Cash Card – 18 month BT offer, you get 1% back when you make a purchase and 1% back when you pay it off.

Sign-up bonus: The Synchrony Premier World Mastercard omits a sign-up bonus, but the Citi Double Cash Card – 18 month BT offer includes a limited-time bonus. You can earn $200 cash back after spending $1,500 on the card in the first six months.

Benefits: Some benefits of the Synchrony Premier World Mastercard are identity theft protection and $0 fraud liability, credits for Lyft ride-hailing service, and a DoorDash membership and discount. The Citi Double Cash Card – 18 month BT offer comes with an 18-month 0% APR on balance transfers and a variable APR thereafter of 16.24% to 26.24% based on your creditworthiness. Among the card’s other benefits are 24/7 customer service, identity theft and fraud protection, and Lost Wallet Service, which includes emergency cash and card replacement.

Annual fee: Both cards do not charge an annual fee.

Rewards: The Synchrony Premier World Mastercard earns 2% cash back on every purchase with no limit on rewards. Discover it chrome offers 2% cash back on up to $1,000 in combined purchases at gas stations and restaurants each quarter and unlimited 1% cash back on all other purchases.

Sign-up bonus: You won’t have a chance to earn a bonus with the Synchrony Premier World Mastercard. Discover, however, will match all of the cash back you’ve earned after your first year with the card.

Benefits: The Synchrony Premier World Mastercard includes identity theft protection and $0 fraud liability, ride credits for Lyft, and a DoorDash membership and discount, among other benefits. Discover it chrome provides cardholders a 15-month 0% APR on purchases and a variable APR thereafter of 14.24% to 25.24% based on your creditworthiness. Other benefits are $0 fraud liability, plus alerts to let you know when new accounts show up on your credit report and when anyone pulls your credit.

What Are the Fees Associated With the Synchrony Premier World Mastercard?

  • Annual fee: This card charges no annual fee.
  • Balance transfer fee: You will pay either $10 or 4% of the amount of each balance transfer, whichever is greater.
  • Cash advance fee: Cardholders pay either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign transaction fee: 3% of each transaction.
  • Minimum interest charge: If you owe interest, the charge will be no less than $2.
  • Late payment: up to $41.
  • Returned payment: $30.

Should You Get the Synchrony Premier World Mastercard?

  • Prefer a simple cash back card without rotating bonus categories and different rewards rates.
  • Don’t need a 0% APR on balance transfers or purchases.
  • Want a card without an annual fee. 



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