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Synchrony credit card

Cathay Pacific Visa Card

$99 a year. 38,000 Asia Miles after you spend $3,000 in 3 months. Purchase APR 25.24–31.49%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Synchrony’s terms

Welcome offer

38,000 Miles

After you spend $3,000 on purchases in your first 3 months.

Spending it takes
$1,000 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

Limit one offer per accountholder. To receive points, the card must be successfully linked to the Rewards Program membership account and the credit card account must be open, in good standing and not delinquent. If earned, points will post within 1–2 billing cycles.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$415$35
Typical spender$615$235
Heavy spender$1,015$635
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

$35a year

$415 the first year, with the welcome bonus.

Rewards and credits$130

You keep $35−$100 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$235a year

$615 the first year, with the welcome bonus.

Rewards and credits$335

You keep $235−$100 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$635a year

$1,015 the first year, with the welcome bonus.

Rewards and credits$730

You keep $635−$100 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 65% of the 732 cards we track.

Other miles cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Cathay

How you earn

3×
All eligible Cathay Pacific and HK Express travel and in-flight purchases
2×
Dining and eligible dining delivery services
1×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Benefits

  • Primary cardholders may use their Asia Miles to redeem access to Cathay Pacific Business Class lounges.
  • Save up to 15% on eligible flights to Hong Kong and beyond through December 31, 2026, when using promotion code CXSYF15OFF and paying with the Cathay World Elite Mastercard on eligible flights and select fare classes.
  • Earn 10 Status Points for every $5,000 in eligible purchases made each month, up to a maximum of 100 Status Points per calendar year.
  • 10% redemption discount on hotel and experiences awards with Asia Miles.
  • Primary cardholders may check in at Cathay Pacific Premium Economy class airport check-in counters; traveling companions may also receive this benefit when traveling with the primary cardholder.
All 8 benefits
  • Primary cardholders can use the same boarding line as Premium Economy class passengers on Cathay Pacific-operated flights.
  • No foreign transaction fees.
  • Asia Miles can be redeemed for flights with Cathay Pacific, oneworld and partner airlines; hotels; car rentals in 20 countries; and lifestyle awards including attraction tickets and gift cards.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$99 · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?
25.24–31.49% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
38,000 Asia Miles after $3,000 in purchases in 3 months. · pay.cathaypacific.com, since Oct 2, 2026
Read the card agreement

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