Synchrony · Visa

Annual fee

$99

Rewards

Asia Miles

Earn rates

• 3x Cathay Pacific and HK Express travel and in-flight purchases — Verbatim: "From spend on all eligible Cathay Pacific and HK Express travel and in-flight purchases"; heading text "Earn 3" ... "per USD1" (Asia Miles). No cap stated.
• 2x dining and eligible dining delivery services — Verbatim: "From spend on dining and eligible dining delivery services"; heading text "Earn 2" ... "per USD1" (Asia Miles). No cap stated.
• 1x other — Verbatim: "From spend on everything else, where Mastercard" ... "is accepted worldwide."; heading text "Earn 1" ... "per USD1" (Asia Miles). No cap stated.

Foreign transaction fee

None

Purchase APR

24.99%–30.99% variable

Issuer rules

• Subject to credit approval. ("Subject to credit approval. Limit one offer per accountholder." and "Purchases are subject to credit approval.")
• Welcome offer limited to one per accountholder: "Limit one offer per accountholder."
• Welcome offer requires USD 3,000 of eligible net purchases in 90 days: "Eligible net purchases (purchases minus returns and adjustments) of $3,000 or more must be made within 90 days of account opening."
• Card must be linked to the rewards membership and the account in good standing to receive points: "your Cathay World Elite Mastercard card must be successfully linked to your Rewards Program membership account and your credit card account must be open, in good standing and not delinquent."
• Issued by Synchrony Bank: "is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated."

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