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Synchrony Premier World Mastercard® — Full Review [2025]

Jarrod West's image
Jarrod West
Updated: 
Edited by: Jessica Merritt
& Kellie Jez

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Synchrony Premier World Mastercard®

Synchrony Premier World Mastercard®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon2

  • None

  • $0

  • 19.24%, 25.24%, or 32.24% variable

  • Good to Excellent (670-850)

Synchrony Premier World Mastercard®

The Synchrony Premier World card earns 2% back on all of your purchases with no annual fee.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon2

Summary

The Synchrony Premier World card is suitable for anyone looking for a cash-back rewards card with an uncapped 2% back on all purchases with a $0 annual fee.

Card Details

Card Snapshot

Welcome Bonus & Info

  • 2% cash back* on every purchase–no categories, tiers, or limits–no kidding.
  • No annual fee*
  • $0 fraud liability
  • Secure online and mobile app account access
  • Use your Synchrony Premier card on everything from gas and groceries to your next splurge with the confidence that comes from getting great rewards without complex math or shifting reward limits.
  • Plus, you’ll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.

Pros & Cons

Pros

  • Uncapped 2% back on all purchases
  • $0 annual fee
  • World Mastercard benefits with Lyft, Instacart, Peacock, and more

Cons

  • Doesn’t offer as many benefits as competitor 2% back cards
  • Limited redemption options
  • Charges foreign transaction fees
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Great Card If

  • You want to earn an uncapped 2% back on all purchases
  • You want a card with a $0 annual fee

Don’t Get If

  • You want a card that earns travel rewards
  • You want a card that offers more benefits and perks

Synchrony Premier World Card — Is It Worth It?

If you’re looking for a rewards credit card that allows you to earn an uncapped 2% back on all purchases without paying an annual fee, the Synchrony Premier World card could meet your needs.

While its benefits are relatively limited compared to other no-annual-fee cash-back rewards cards, its uncomplicated and simple setup could be appealing.

Synchony Premier World Card Top Benefits and Perks

The Synchony Premier World card has a few benefits as a World Mastercard, including:

  • Lyft Credit: Once per month, you’ll receive a $5 credit when you take 3 rides with Lyft and pay with your card.
  • Instacart Credit: Get $10 off your second order each month, and new Instacart+ members can get 3 free months of Instacart+.
  • Peacock Premium: Get $3 off Peacock Premium each month when you use your card to subscribe.

Best Ways To Earn and Redeem Your Cash-Back Rewards

The best way to earn more cash-back is to use your Synchrony Premier World card for everyday purchases, which earn 2% cash-back.

Synchrony makes it simple to redeem rewards, with all cash-back applied as a statement credit within 2 billing periods after the eligible purchase is made.

Alternative Cards to the Synchrony Premier World Card

Citi Double Cash® Card

The Double Cash card is one of the most popular cash-back credit cards on the market, and for good reason. It earns an uncapped 2% back on all purchases (1% at time of purchase and 1% when you pay), with a $0 annual fee.

Double Cash cardholders can transfer their rewards to Citi transfer partners, including American Airlines AAdvantage. However, if you have a premium Citi ThankYou Rewards card, such as the Citi Strata Premier℠ Card, you can pool your points between the cards and transfer them at a higher ratio.

Capital One Savor Cash Rewards Credit Card*

If you’d prefer a cash-back card that offers bonus categories higher than 2% for everyday purchases, then the Capital One Savor card is an excellent choice. With it, you’ll earn 8% back on Capital One Entertainment purchases, 5% back on hotels, rental cars, and vacation rentals booked through Capital One Travel, along with 3% back on dining, entertainment, popular streaming services, and at grocery stores.

The card also has access to Capital One Dining, Capital One Travel, and Capital One Entertainment, all with a $0 annual fee.

Frequently Asked Questions

What is the Synchrony Premier World card?

The Synchrony Premier World card is a cash-back rewards credit card issued by Synchrony Bank that offers an uncapped 2% back on all purchases with a $0 annual fee.

Is the Synchrony Premier World card a good card?

Whether the Synchrony Premier World card is good for you depends on what you want from a rewards credit card. If you want to add a card to your wallet that offers an uncapped 2% back on all purchases with a $0 annual fee, then the Synchrony Premier World card is a suitable option.

That said, there are other cash-back credit cards that might suit you better. These cards still offer 2% back on all purchases with $0 annual fee and offer more benefits to cardmembers, so make sure you compare all of your options.

What credit score do you need to be approved for the Synchrony Premier World card?

There is no specific credit score that guarantees approval for the Synchrony Premier World card. Your credit score is just a single factor in the approval decision, as your income, years of credit history, any delinquencies, your history with Synchrony Bank, and other factors will all be considered.

Does the Synchrony Premier World card have an annual fee?

No, the Synchrony Premier World card has a $0 annual fee.

Does the Synchrony Premier World card charge a foreign transaction fee?

Yes, the Synchrony Premier World card charges a 3% foreign transaction fee, so you should choose a different card to make international purchases.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year, and his work has been featured in outlets like The New York Times.

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