Synchrony · Mastercard

Annual fee

$99

Rewards

Virgin Points

Earn rates

• 3x Virgin Atlantic, Virgin Hotels and Virgin Voyages — Virgin Points per $1
• 2x Grocery stores, dining out, selected streaming services, EV charging — Virgin Points per $1. EV Charging Stations do not include merchants of Parking Lots, Parking Meters and Parking Garages.

Foreign transaction fee

None

Purchase APR

19.74%–27.74% variable

Issuer rules

• Only available to applicants 18 or older who have an address in the United States and a valid SSN or ITIN.
• Subject to credit approval.
• Card is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated.
• Boarding Bonus: limit one offer per accountholder; requires $4,000 in eligible net purchases within 90 days of opening a new account.
• Card must be successfully linked to your Virgin Red account and the credit card account must be open, in good standing and not delinquent to receive points.
• Additional cardholder bonus of 2,500 Virgin Points is capped at a maximum of 10,000 Virgin Points.
• Personal Perks: up to two per cardholder year, unlocked at $15,000 and $30,000 of annual spend.
• Balance transfer fee 5% ($5 min); cash advance fee 5% ($10 min); minimum interest charge $2. APR terms shown are for new accounts as of 7/1/26.

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