5 Synchrony Premier Mastercard Benefits You Didn’t Know About

• Written by Cynthia Measom
  

  Cynthia Measom

  Credit building, credit card travel rewards, credit card comparisons

  Cynthia Measom helps readers find credit cards that match their financial goals — whether they’re building credit, earning travel rewards or comparing offers. She explains features, fees and fine print in plain language, so readers know exactly what they’re signing up for. Her work has appeared on CNN Underscored, Insider, GOBankingRates, Yahoo Finance, MSN and The Motley Fool. She's been writing about personal finance for over 17 years.

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• Edited by Emily Gadd
  

  Emily Gadd

  Credit Cards, Personal Finance, Health & Wellness

  Emily Gadd is an SEO editor, responsible for writing about personal finance and credit cards. She got her start writing and editing at Healthline. She is passionate about creating educational content that makes complex topics accessible. Emily lives in Seattle with her husband and two cats.

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• Reviewed by Jasmin Baron
  

  Jasmin Baron

  Credit Cards, Travel Rewards, Loyalty Programs, Family Travel, Credit Building, Credit Scores

  Jasmin Baron is CardCritics’ senior SEO editor, responsible for editing and writing credit cards, travel rewards, loyalty program, and other credit-related content. She is passionate about personal finance education and enjoys sharing tips and tricks for making the most credit card points and miles with her readers. Her expertise in maximizing credit card travel rewards originated from over two decades of aviation industry experience, including 18 years working as a pilot and college professor/flight instructor in her native Canada. Her work has appeared on sites such as CNN Underscored Money, Business Insider, The Points Guy, and point.me. When she’s not planning her next trip with credit card rewards, you’ll probably find her tinkering around in the kitchen, hanging out with her three kids, or playing with her dog, Benji.

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• Last Updated Sep 9, 2025

The Synchrony Premier World Mastercard® is perfect for people who are looking for an uncomplicated cash-back credit card. But the cash rewards aren’t the only benefit of this card. Here are the other benefits and perks the Synchrony Premier offers. 

1. Unlimited 2% Cash Back

Perhaps the most enticing benefit of the Synchrony Premier Card is its unlimited 2% cash-back rewards. That means every purchase, from gasoline to groceries, earns you 2% without having to wait for certain categories each quarter or keeping track of rewards categories. Plus, the cash back you earn gets automatically credited to your statement each month, which makes for hassle-free redeeming. 

My family eats out frequently, so I use my Synchrony Premier Card to pay for dine-in meals, takeout and even DoorDash deliveries when we’re traveling on vacation. I don’t have a restaurant-focused credit card, so this makes sense for us.

2. No Annual Fee

This is another big one for me — especially since it’s a cash-back card. Credit card annual fees can add up and cut into the rewards you earn. The Synchrony Premier Card doesn’t charge an annual fee, so you can keep it indefinitely without having to justify whether it’s worth renewing each year.

3. ID Theft Protection

Although identity theft is something no one wants to think about, the threat is real — and growing. Mastercard ID Theft Protection offers benefits that include: 

• Monitoring the surface, dark and deep web for compromised credentials, including email, username, password and security question combos
• Monitoring for high-risk transactions, including those made with a credit card, bank account or brokerage account
• Monitoring TransUnion credit bureau for new credit inquiries, address changes or new credit accounts that might indicate fraud
• Providing resolution services in the event of identity theft

This benefit is free, but it requires enrollment to activate. 

4. Mastercard Travel and Lifestyle Services

Synchrony Premier cardholders have access to the following Mastercard Travel and Lifestyle Services: 

• Upgrades, discounts and preferred rates on hotels, flights and cruises
• 24/7 lifestyle concierge who can help plan anything from a last-minute getaway to a long vacation

You can also take advantage of two guarantees:

• Lowest Hotel Rate Guarantee: If you find the same hotel room in the same hotel for the same dates and the same number of children and adults at a lower price online, before taxes and fees, Mastercard will refund the difference. This applies as long as you booked a qualifying stay through the Mastercard Travel & Lifestyle Services program and submit a claim at least 72 hours before your check-in. 
• Hotel Stay Guarantee: If your three-star or higher hotel doesn’t meet expectations, Mastercard will work with the property to fix the issue or help you find new accommodations. 

I used the Hotel Stay Guarantee while traveling. The three-star, non-smoking room I reserved was obviously smoked in, plus there were a couple of other issues like a toilet that wouldn’t flush and a bed with a deep divot in the middle. The property didn’t have any other rooms available, so Mastercard found me an acceptable room at a different property that was just a few miles away. I was only responsible for the cost of my original booking and Mastercard paid the difference. 

5. Priceless Experiences

The Synchrony Premier Card also grants access to Mastercard Priceless Experiences, which are a collection of curated events available around the world, including those based on: 

• Travel
• Cuisine
• Health and wellness
• Music and entertainment
• Sports
• Arts and culture 
• Shopping

Experiences are also location-based, so whether you’re at home or traveling, you can browse what’s available by city. 

Although you don’t need to sign up for an account to check out, you do need to pay with a Mastercard. Note that some purchases redirect to partner sites depending on the experience. Additionally, all sales are final and a foreign transaction fee will apply if you book something abroad with your Synchrony Premier Card.