Synchrony Premier World Mastercard
By Alex Compton · Last verified
Synchrony's house 2% card, the landing pad for converted eBay Mastercard holders.
Welcome Bonus
None
No welcome offer; 2% unlimited cash back and $0 annual fee confirmed
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
720+
(Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; 2% unlimited cash back and $0 annual fee confirmed | Synchrony Mastercards product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2022-06 | $0 | No recorded spend | Earliest recordLaunched with no welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
2% unlimited cash back, $0 annual fee, 3% FTF and no welcome offer confirmed
Synchrony Mastercards product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xAll purchasesUnlimited, redeemed automatically as statement credit
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cash back applies automatically as a statement credit, no redemption step at all
- ✦World Mastercard perks: $5 monthly Lyft credit with usage and a 3-month DashPass trial
- ✦Where Synchrony moved eBay Mastercard accounts when that cobrand ended in March 2026
Why it earns its spot
- +Flat 2% with zero redemption friction
- +No annual fee
- +Converted eBay holders landed on a better everyday card than they left
Where it costs you
- −No welcome bonus and no intro APR
- −3% foreign transaction fee
- −Synchrony wants excellent credit and offers thin perks beyond the rate
The Compound Verdict
A genuinely competitive flat 2% card hiding inside a store-card bank. The automatic statement credit redemption is the cleanest in the category, you literally do nothing. No bonus means there is no reason to rush, but as a conversion destination or a forgettable workhorse it does the job.
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