THE CARDTUNED DATABASE
Soma credit card
Issuer: Synchrony · Network: Varies
15% off first eligible purchase | 7.5% back in rewards on Soma purchases | Free standard shipping, no minimum
- Annual fee
- $0
- Foreign transaction fee
- Varies by card version; private-label card or Mastercard
- Intro APR
- No public introductory APR listed; verify the live application.
- Regular APR
- Variable purchase APR; exact current rate is disclosed in the live application and card agreement.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
15% off the first eligible Soma purchase made with the new card
- Spending requirement
- First eligible Soma purchase
- Time window
- First purchase
Offer last checked: 2026-09-09
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 15% | off first eligible purchase |
| Eligible purchases | 7.5% | back in rewards on Soma purchases |
Additional benefits
• Free standard shipping with no minimum purchase
Restrictions to know
Approval may be for a Soma private-label card or Soma Mastercard. Mastercard cardholders also earn 2% at grocery stores and restaurants and 1% on other Mastercard purchases. Free standard shipping excludes Alaska, Hawaii and U.S. territories; offer exclusions apply.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff