Chico’s FAS Launches First-Ever Credit Card Programs with Synchrony and Mastercard Chico’s FAS has introduced its first-ever credit card programs in partnership with Synchrony and Mastercard, marking a significant expansion of its customer engagement strategy. The initiative includes both co-branded Mastercard and private label credit cards available across its three brands: Chico’s, White House Black Market (WHBM), and Soma. The new credit card offerings are integrated with reimagined loyalty programs—Club Chico’s, WHBM Prestige, and Soma My Rewards—designed to simplify how customers earn and redeem rewards. Cardmembers can earn rewards not only on purchases made at Chico’s FAS brands but too on everyday spending anywhere Mastercard is accepted. According to the company, cardholders receive 7.5% back on purchases at the brand associated with their card, 2% back on grocery and restaurant purchases, and 1% back on all other eligible purchases. New cardholders also receive 15% off their first purchase when the card is opened and used. The partnership enables Chico’s FAS to utilize Synchrony’s PRISM platform, a data-driven credit decisioning tool that supports more holistic assessments of creditworthiness. This technology allows for differentiated underwriting across the brands’ customer bases. Each brand’s loyalty program has been updated to feature simplified structures and extended six-month redemption windows, making it easier for customers to understand reward accrual and enjoy faster access to benefits. The credit card programs were announced in April 2026, with Chico’s FAS stating the launches aim to create a more rewarding, seamless, and flexible experience for customers across its portfolio of brands. Synchrony, which issues the cards, emphasized the collaboration’s focus on enhancing digital and omnichannel capabilities for Chico’s FAS.
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