Cathay Pacific Visa Signature® from Synchrony Bank Review
Cathay Pacific Visa Signature® from Synchrony Bank — all information about the credit card.
Updated November 30, 2023
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Recommended credit score
Good to Excellent (670-799)
- Rewards Rate:
- 2x Asia Miles per $1 spent on eligible Cathay Pacific travel and in-flight purchases.
- 1.5x Asia Miles per $1 spent on dining in the US or abroad.
- 1.5x Asia Miles per $1 spent on purchases outside of the US.
- 1x Asia Mile per $1 spent on all other purchases made in the US.
- Intro Offer:
- 35,000x Bonus Asia Miles when you spend $3,000 in the first 90 days.
- 3x Miles per $1 dollar spent on travel purchases in the first 90 days.
- Annual Fee:$95 annually
- Purchase Intro APR:None
- Regular APR:22.24% - 25.24% Variable
- Balance Transfer APR:None
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Synchrony Bank Cathay Pacific Visa Signature® Rewards Calculator
Your Results
Yearly earnings
$70.2
Annual fee
$95
No, Synchrony Bank Cathay Pacific Visa Signature® credit card is not worth its annual fee.
How to maximize your Synchrony Bank Cathay Pacific Visa Signature® rewards?
You can boost your total rewards by getting Synchrony Bank welcome bonus. To do that spend more on all purchases. To maximize all other rewards follow the tips below:
- Spend more on Cathay Pacific purchases
- Redeem most of your points for Travel purchases at Hotels, Airlines, Car rentals
- Pay off your balance in full each month.
- Make a large purchases plan.
Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Synchrony Bank Cathay Pacific Visa Signature®.
Your net profit in the first year
-$24.8
x9
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You will receive 5,400 miles in the first year (equivalent to $70.2)
Where you get the most profit
- Cathay Pacific purchases
- Dining
- All other purchases
Cathay Pacific purchases
$31.2
Dining
$23.4
All other purchases
$15.6
Total
$70.2
Annual fee
$95
Net yearly credit card profit
-$24.8
All benefits
- Miles
- 2x Per $1 spent on eligible Cathay Pacific travel and in-flight purchases.
- 1.5x Per $1 spent on dining in the US or abroad.
- 1.5x Per $1 spent on purchases outside of the US.
- 1x Per $1 spent on all other purchases made in the US.
- Travel
- 10% Enjoy 10% savings on Asia Miles Gift Miles™, Mileage Renewal and Mileage Transfer Fees online.
- 10% Redemption discount on hotel, car rental and experiences awards through travel.asiamiles.com.
- 2-Day Priority Flight Award Redemption:
- Enjoy 2-day priority redemption for discount flight award booking tickets online from time to time.
- Lost Luggage Reimbursement:
- Maximum of $3,000, carry-on and checked baggage.
- Trip Cancellation/Interruption:
- Maximum of $2,000.
- Travel Accident Insurance:
- Maximum of $250,000.
Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 22.24% - 25.24% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- None
- APR for Cash Advances
- 29.99%
- How to Avoid Paying Interest
- Your due date is at least 23 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.
Fees
- Annual Fee
- $95 annually
- Fees for Cash Advances
- Either $10 or 5% of the amount of each cash advance, whichever is greater
- Return Payment
- $29
- Late Payment
- Up to $40
Pros & Cons
Pros:
- No Foreign Transaction Fee
Cons:
- Balance transfers are not available
- No Intro APR period
- Annual Fee
Features
- No foreign transaction fees
- Rewards
- Bonus points
- Travel
- Airline
- Lost Luggage Reimbursement
- Trip Cancellation
- Good Credit
- Excellent Credit
About the issuer
Synchrony Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
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See Another Credit Cards in the Bank
Synchrony Bank Cathay Pacific Visa Signature® is an option for those, who need Classic features. With an APR of 22.24% - 25.24% and $95 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Synchrony Bank Cathay Pacific Visa Signature® you will get such features as No foreign transaction fees, Rewards, Bonus points, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.
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