Virgin Red Rewards Mastercard® — Synchrony

Virgin Red Rewards Mastercard® — Synchrony is a personal credit card from Synchrony. Application typically pulls a credit report from TransUnion. The annual fee is $99. The ongoing APR is 21.99%, 25.99% or 29.99% variable. Signup bonus: 60,000 Virgin Points after $4,000 in 90 days. Rewards: 3 pts Virgin Atlantic, Virgin Hotels, Virgin Voyages; 2 pts grocery, dining, select streaming, EV charging; 1 pt other.

Other Synchrony cards & products

• Sweetwater Card — Personal Credit Card
• Sun Country Visa Signature® card — Personal Credit Card
• Floor & Decor Pro Credit Card (Synchrony) — Business Credit Card
• Sam's Club Business Mastercard (Synchrony) — Business Credit Card
• Pep Boys Credit Card — Personal Credit Card
• Lowe's Business Advantage Card (Synchrony) — Business Credit Card

Sources & citations

• Rewards, Apply link, Lender name, Annual fee, Issuer, APR, Product name, Product type, Sign-up bonus, Underwriter, Foreign transaction fee: https://www.virgin.com/en-us/virgin-red/rewards-credit-card/?siteCode=SDOMMKTEVT
• Lender website: https://api.fdic.gov/banks/institutions?filters=CERT:27314&fields=NAME,CERT,WEBADDR,ACTIVE
• Credit bureau: https://www.doctorofcredit.com/synchrony-virgin-red-75000-point-bonus-9-3-9-5/#comment-2203389 (checked 2026-10-31)
• Two applications, one credit check: https://www.doctorofcredit.com/card-issuers-that-combine-multiple-credit-pullsinquiries/ (checked 2026-10-31)
• Moving credit limit between cards: https://www.doctorofcredit.com/rules-for-reallocating-your-credit-limit-with-each-credit-card-issuer/ (checked 2026-10-31)