CheapOair Credit Card Review: The Synchrony Rewards Card (2024)

CheapOair credit card pre-approval

As for pre-approval, CheapOair doesn’t have a specific pre-approval process.

But you can always check your credit score and report to make sure you’re in good shape before applying.

To apply, head over to the CheapOair website and fill out the online application form.

Beware, though—it’ll cause a hard pull on your credit reports.

How to check the Synchrony CheapOair credit card application status?

To check the status of your Synchrony CheapOair credit card application, you can simply give Synchrony Bank’s customer service a call at 1-866-419-4096.

They’ll fill you in on the latest update and help with questions.

Keep your personal info at hand when you call, so they can find your application easily.

CheapOair points

You can earn:

• 8 points for every dollar spent using the CheapOair mobile app.

• 6 points for every dollar spent on CheapOair.com.

• 4 points for every dollar spent on dining.

• 2 points for every dollar spent on purchases.

CheapOair points are half a cent each—not the best value out there, but it can earn you extra cash if you’re a frequent traveler.

How much would you earn in each category?

Let’s see a hypothetical example:

CheapOair credit card—how to redeem points?

To redeem points on your CheapOair credit card, follow these steps:

1. Head over to the CheapOair website or app (available for both iOS and Android devices).

2. Once you’re on the website or app, log in to your CheapOair account using your email address and password. Make sure your CheapOair credit card is linked to your account.

3. Start searching for flights, hotels, or car rentals. Enter the necessary details, such as travel dates and destinations, to find the best options for your trip.

4. When you find a suitable flight or hotel, look for the “Pay with Points” option during the booking process. This will allow you to use your CheapOair Credit Card points to cover all or part of the cost.

5. Enter the number of points you’d like to redeem, and the system will automatically calculate the corresponding amount to be deducted from your total booking cost. You can choose to use the available points entirely or partially, paying the remaining balance with your CheapOair Credit Card or another payment method.

6. Review your booking details and complete the transaction. You’ll receive a confirmation email with all the essential information about your reservation.

You can redeem points as cash or a gift card, but either way—you can only use them at CheapOair.

Read more:

22 Best Cashback Credit Cards

20 Top Travel Credit Cards

What we like

No annual fee

One of the best things about the CheapOair credit card is that it comes with no annual fee. This means you can enjoy the card’s perks without having to worry about an extra yearly cost.

Intro offer

The CheapOair card offers a cool introductory deal: Spend $500 in the first 90 days, and you’ll get a $50 statement credit.

It’s a nice little bonus to kick off your travel savings journey—but there’s no intro APR, so don’t go too wild chasing that bonus.

Rewards program

The Cheapoair card’s rewards program lets you earn points on flights, hotels, car rentals, and even dining.

Combine these rewards with the Cheapoair loyalty program, and you can score some serious savings on your travel adventures. Plus, using the CheapOair mobile app can double your points.

Extra benefits

They include emergency card replacement, emergency cash disbursem*nt, and roadside dispatch.

Things to keep in mind

Very high APR

One major downside of the CheapOair credit card is its high APR, which stands at 31.49%.

This can be a bummer if you carry a balance on your card, as it can lead to hefty interest charges.

That’s why, with cards like this, it’s recommended that you don’t carry a balance—and spend well below 30% of the credit limit.

Mark Damsgaard, founder & Head of Client of Advisory at Global Residence Index, offers this advice, “Don’t use your credit card up to its limit because your credit utilization matters in the credit score. Ideally, you should only use or keep a balance of up to 30% of your total available limit. It signifies that you’re a low credit-risk borrower and responsible for your credit management.”

No balance transfers are possible

If you want to transfer your existing credit card debt to your new card and take advantage of any lower interest rates or promotional offers—look elsewhere.

No intro APR

Unlike some other credit cards, the CheapOair card doesn’t offer an introductory APR period. This means you won’t get a temporary break from interest charges when you first sign up.

Foreign transaction fee

If you’re an international traveler, the CheapOair card’s 3% foreign transaction fee might be a deal-breaker.

This fee can add up quickly when you’re making purchases abroad, so it’s something to keep in mind if you frequently travel outside the US.

Tricky managing & redeeming points

Keeping track of your points might be a bit tricky since credit card and loyalty program points are processed differently. You can redeem points for CheapOair purchases, including airline tickets and hotel bookings.

Low customer service ratings

CheapOair’s prices, practices, and customer service might not be the best. Cardholders mention charging hefty fees out of nowhere and unhelpful customer service reps.

A hard pull on your reports

Applying for the card will result in a hard pull on your credit reports and will temporarily ding your credit score.

Capital One Platinum

The first alternative is the Capital One Platinum—it’s also for those who have fair credit scores.

Let’s see how the cards compare:

Read our detailed Capital One Platinum card review.

Upgrade Visa card

Upgrade card is also a rewards credit card, offering 1.5% on all purchases made using it: