Synchrony Premier World Mastercard Review

Synchrony Premier World Mastercard®

3.5 BCC Score

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on Synchrony's secure site

Welcome Offer

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Rewards Rate

2% cash back* on every purchase

Intro APR

17.49% - 33.24% Variable APR as of January 1, 2026

Annual Fee

Credit Score Needed

Good Credit

Card Brand

Mastercard

2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
No annual fee^
Zero Liability Protection
Secure online and mobile app account access
Get more out of every day purchases -- earn 2% cash back with the Synchrony Premier World Mastercard®. No complicated math or rewards categories to remember.
Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
*CASH BACK REWARDS: Subject to credit approval. Valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier World Mastercard. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made. Cash advances, fees and interest charges do not qualify to earn cash back. Account must be open and in good standing at the time the purchase is made and the statement credit is applied. See Rewards Terms for details.
^NO ANNUAL FEE: New Accounts as of January 1, 2026: Variable Purchase APR 17.49%, 26.49%, or 33.24%. Variable Balance Transfer APR 17.49%, 26.49% or 33.24% and 4% Fee ($10 min). Variable Cash APR 20.49%, 29.49% or 36.24% and 5% Fee ($10 min). Variable Penalty APR 27.49%, 36.49%, or 39.99%. Minimum Interest Charge is $2. Foreign Transaction Fee is 3%.

Pros

Generous rewards rate of unlimited 2% cash back* on every purchase
Pay no annual fee and enjoy $0 fraud liability

Cons

There's no cash back sign up bonus
No intro APR on purchases or balance transfers
A foreign transaction fee of 3% applies

Why We Like It

If you prefer to earn the same cash back rate on all purchases rather than juggling rotating categories or annoying rewards caps, then the Synchrony Premier World Mastercard® might be the perfect card for you. This card comes with unlimited 2% cash back* on every purchase. That means no matter what you're spending your money on you will earn the same generous rewards rate on all purchases.

There are no limits to how much cash back you earn and no complicated bonus tiers. Groceries, gas, online shopping, and everything in between earns the same rate – 2% cash back* on every purchase! Even with the premium cash back on purchases, the Synchrony Premier World Mastercard® comes with no annual fee. There is also a host of added benefits like identity theft protection and $0 fraud liability.