The Synchrony Soma credit card stands out for its high cashback rate of 7.5% and no annual fee. It offers several digital features such as contactless and digital wallet payments.
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However, it has limited travel perks and average customer service. Ideal for consumers who value everyday benefits and want to avoid extra fees.
By Harlon Drosghic Apr 2026
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Synchrony Soma credit card
Synchrony
- Annual Fee
- Free
- Cashback
- 7.5%
- Points Program
- Soma My Rewards
- Minimum Income
- —
Score by category
Rewards
★★★★★ 3.5/5
Score by category
Rewards
Cashback ★★★★★ 4.3/5
- Base Cashback Rate 5.0
- Caps & Limits 4.0
- Redemption Ease 4.0
- Bonus Categories 4.0
- Redemption Flexibility 4.0
Credit Building ★★★★★ 2.5/5
- Upgrade Path 2.0
- Credit Bureau Reporting 3.0
- Educational Tools 2.0
- Credit Limit Growth 2.0
- Approval Accessibility 3.0
Lower Fees ★★★★★ 4.2/5
- Annual Fee Value 5.0
- Cost Transparency 4.0
- Fee Waiver Potential 4.0
- Penalty Friendliness 3.0
- Foreign Transaction Fee 4.0
Purchase Perks ★★★★★ 2.8/5
- Extended Warranty 3.0
- Installment Perks 2.0
- Merchant Discounts 3.0
- Everyday Usefulness 4.0
- Purchase Protection 2.0
Travel Perks ★★★★★ 0.5/5
- No Foreign Tx Fees 3.0
Score by category
User Experience
★★★★★ 2.9/5
Score by category
User Experience
App / Experience ★★★★★ 3.0/5
- Ease of Navigation 3.0
- Self-Service 3.0
- Billing Clarity 3.0
- Feature Quality 3.0
- App Speed & Stability 3.0
Support Quality ★★★★★ 2.1/5
- Response Time 2.0
- Channel Availability 3.0
- Agent Professionalism 2.0
- First-Contact Resolution 2.0
- Resolution Effectiveness 2.0
Transparency ★★★★★ 3.0/5
- Terms Simplicity 3.0
- Billing Transparency 3.0
- Fee & Interest Clarity 3.0
- Charge Predictability 3.0
- Communication Clarity 3.0
Security & Control ★★★★★ 2.8/5
- Card Control Features 3.0
- Fraud Protection 3.0
- Virtual Card Experience 3.0
- Incident Resolution 2.0
- Real-Time Monitoring 3.0
Benefits Usability ★★★★★ 4.0/5
- Ease of Earning 4.0
- Ease of Tracking 4.0
- Real-World Value 4.0
- Rules Simplicity 4.0
- Ease of Redeeming 4.0
Pros & Cons Synchrony Soma credit card
Pros
- ✓High cashback rate
- ✓No annual fee
- ✓Digital features available
- ✓Free shipping benefit
Cons
- ✗Limited travel benefits
- ✗Average customer service
- ✗No significant purchase protection
- ✗No travel insurance
Expert Analysis
AI Analysis
Citocred AI
The Synchrony Soma credit card stands out for its high cashback rate of 7.5% and no annual fee.
Full analysis
It offers several digital features such as contactless and digital wallet payments. However, it has limited travel perks and average customer service. Ideal for consumers who value everyday benefits and want to avoid extra fees.
Best for
daily-use
Avoid if
frequent-travelers
AI-generated analysis · Methodology by Harlon Drosghic
daily-use
frequent-travelers
Frequently Asked Questions
Synchrony Soma credit card
What cashback rate does the Synchrony Soma credit card offer?
Does the Synchrony Soma credit card have a rewards program?
Does the Synchrony Soma credit card include airport lounge access?
Does the Synchrony Soma credit card include travel insurance?
Who should get the Synchrony Soma credit card?
Is the Synchrony Soma credit card worth it?
The Synchrony Soma credit card provides a set of benefits designed to add genuine value to your financial routine:
Cashback
7.5%
Points Program
Soma My Rewards
Contactless Payment
Virtual Card
Apple Pay
Google Pay
See 7 benefits not included in this card
- Miles Program See which cards include this benefit →
- Lounge Access See which cards include this benefit →
- Travel Insurance See which cards include this benefit →
- Purchase Protection See which cards include this benefit →
- Extended Warranty See which cards include this benefit →
- Concierge See which cards include this benefit →
- International Acceptance See which cards include this benefit →
Features — Detalhes
Fees
Rewards
Premium
Digital
Additional Benefits
- • Free Shipping with no minimum spend requirement
- • Annual Birthday Reward
- • Access to Special Sales and Offers
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
We maintain full editorial independence — no issuer pays for ranking position. 'Apply' links may include affiliate referrals that support our free content. This never influences our editorial scores or assessments.
Read our full methodology →
Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.