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Cash back
Synchrony's own-brand flat 2% card. $100 cash back after $1,000 in the first 60 days for accounts opened 2026-10-13–2026-12-31. 3% foreign transaction fee in the Oct 2026 terms. Synchrony Plus and Synchrony Preferred are invitation-only and are not listed as open cards.
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Everything (flat rate — no bonus categories) | 2% | — | No bonus categories — the base rate applies to all spend. |
$100.00
Cash back
$100 cash back after $1,000 in purchases in the first 60 days, for accounts opened 2026-10-13 through 2026-12-31 (apply.syf.com terms in the Oct 2026 research). Cash back is paid as an automatic statement credit.
Uses the reported cash amount at face value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Synchrony application rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Added 2026-10-29 (Synchrony sweep) — this card already had Cards / Mapping / Perks rows but no Signup_Bonuses row. Note: Synchrony Plus World Mastercard and Synchrony Preferred Mastercard are invitation-only conversion / credit-builder products and are deliberately NOT listed as open direct-apply cards.
Offer type, as listed: Public — limited window