Miles · Mastercard · $99 annual fee
Last verified 2026-09-09. Review issuer source
Synchrony Bank Virgin Red Rewards Mastercard is a $99-a-year miles card from Synchrony Bank. Its best everyday rates are 2x on dining, 2x on grocery stores, and 2x on streaming services; everything else earns 1x. There is also 3x on Virgin Atlantic, a single-merchant rate. Rewards are Virgin Atlantic FlyingClub miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it earns $118, which clears the $99 fee with $19 to spare before any credits or perks. The welcome bonus, 60,000 miles after $4,000 in 3 months, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Virgin Atlantic FlyingClub often enough to use the perks. A general travel card earns points that go more places.
2 Virgin Points for every $1 you spend on dining out
2 Virgin Points for every $1 you spend at grocery stores
2 Virgin Points for every $1 you spend on popular streaming services
3 Virgin Points for every $1 you spend with Virgin Atlantic, Virgin Hotels and Virgin Voyages
60,000 Virgin Points Boarding Bonus - spend $4,000 on your card in the first 90 days to earn it. It's enough to hop continents.
Add a card for a loved one and earn 2,500 Virgin Points. Maximum of 10,000 Virgin Points.
We’ll give you 5,000 Virgin Points every year you renew with us.
Make it a long weekend at participating Virgin Hotels once per cardholder year.
Earn 25 Tier Points for $2,500 of qualifying spend, up to 50 Tier Points a month.
A complimentary 24/7 concierge service. Reserve the perfect table, gain VIP access and more.
These come from Mastercard, not from Synchrony Bank. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Virgin Red Rewards Mastercard®This card · 2x on dining | $99 | $118 | +$19 | 1050th of 1,291 |
| Verizon VisaSynchrony Bank's most-held other card · 4% on dining | None | $606 | +$606 | 10th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
