The Synchrony is a personal credit card from Synchrony. Application typically pulls a hard report from TransUnion. The annual fee is $95. Approval typically requires a credit score of 620 or higher or higher. Signup bonus: Earn 38,000 bonus Asia Miles. Rewards: earn Asia Miles with everyday purchases. Earn Asia Miles on every purchase. 5x on Cathay Pacific, 3x on dining/travel, 1x everything else. No foreign transaction fee. Issued by Synchrony Bank. TransUnion pull.