THE CARDTUNED DATABASE
WHBM credit card
Issuer: Synchrony · Network: Varies
7.5% back in rewards on qualifying WHBM purchases; Mastercard version also earns 2% at eligible grocery stores and restaurants and 1% elsewhere
- Annual fee
- $0
- Foreign transaction fee
- Varies by approved card version; see live application terms
- 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 White House Black Market purchase when opening and using a new account
- Spending requirement
- First eligible purchase
- Time window
- First purchase with new account
Offer last checked: 2026-09-09
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 7.5% | back in rewards on qualifying WHBM purchases |
Additional benefits
• Mastercard version earns 2% at eligible grocery stores and restaurants
• Mastercard version earns 1% on other eligible purchases
• Free shipping with no minimum purchase
Restrictions to know
Approval may be for the WHBM private-label card or WHBM Mastercard. Outside-WHBM acceptance and rewards apply only to the Mastercard. Rewards exclude gift cards, third-party merchandise and other ineligible purchases; merchant coding controls 2% categories.
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