Synchrony has introduced co-branded Mastercard and private-label credit cards across Chico’s, White House Black Market, and Soma under a multi-brand agreement with Chico’s FAS. Each program launches alongside reimagined loyalty offerings, enabling customers to engage seamlessly with the retailer’s three brands.

Cardmembers earn 7.5% back on purchases at their home brand, 2% back at grocery stores and restaurants, and 1% back on all other Mastercard transactions. The programs include perks such as 15% off first purchases, birthday rewards, free shipping, and extended redemption windows.

The partnership leverages Synchrony PRISM, its data-driven credit decisioning platform, to assess applications holistically and expedite approvals. This approach aims to optimize risk management and improve loan performance across the new card portfolios.

By adding these programs, Synchrony expects to expand its specialty retail portfolio and deepen customer engagement with Chico’s FAS brands. The initiative should drive higher transaction volumes and fee income, strengthening Synchrony’s position in the retail financing market.