Chico's FAS Launches First-Ever Credit Card Program and Reimagined Loyalty Experience Across Chico's, Soma, and White House Black Market

Published: 2026-04-22 15:20:53 ET SYF

Published on 04/22/2026 at 03:20 pm EDT

Chico's FAS and Synchrony have launched co-branded Mastercard and private label credit card programs to provide Chico's, White House Black Market (WHBM), and Soma customers with expanded benefits and payment options. Chico's, WHBM, and Soma (collectively, the Chico's FAS brands) have each relaunched their loyalty programs (Club Chico's, WHBM Prestige, and Soma My Rewards) making it simpler for customers to understand how they earn rewards and easier to get rewarded more quickly. Cardmembers can earn rewards on purchases with each of the brands, as well as on everyday spending anywhere Mastercard is accepted with the co-branded card.

The partnership enables Chico's FAS brands to leverage Synchrony's digital and omnichannel capabilities, including Synchrony PRISM, its data-driven credit decisioning platform. Chico's FAS is introducing a new chapter of how it connects with customers with the debut of its first-ever credit cards alongside newly reimagined loyalty programs for Chico's, White House Black Market (WHBM), and Soma. Together, these launches create a more rewarding, seamless, and flexible way for customers to engage with the brands.

Issued by Synchrony, each program includes both a Mastercard-powered co-branded credit card and a private label credit card. The approach is simple: give customers more ways to earn, greater everyday earning potential, and more reasons to stay engaged? paired with simplified loyalty programs tailored to each brand's customers.

Synchrony will also offer Chico's FAS differentiated underwriting with Synchrony PRISM, its data-driven credit decisioning platform which helps provide a more holistic assessment of creditworthiness. The new loyalty programs?Club Chico's, WHBM Prestige, and Soma My Rewards?have been thoughtfully reimagined, making earning and redeeming rewards feel effortless. Each program is tailored to its brand, giving customers more ways to engage, earn, and enjoy exclusive benefits.

Developed in partnership with Synchrony and Mastercard, the credit card experience works hand-in-hand with these programs, allowing customers to earn more, enjoy curated benefits, and engage more deeply with the brands they love. The Chico's FAS credit card programs offer customers: 7.5% back in rewards on purchases at the card's origin brand, 2% back in rewards on grocery store & restaurant purchases and 1% back everywhere else Mastercard is accepted with the co-branded card, 15% off their first purchase when they open and use a new credit card at the card's origin brand, exclusive benefits including free shipping, birthday rewards, and exclusive offers throughout the year, convenience, security and benefits of the global Mastercard network including ID Theft Protection and Zero Liability. As part of the relaunch of loyalty with Club Chico's, WHBM Prestige, and Soma My Rewards, customers can enjoy a more streamlined rewards experience across each brand, and cardmembers can unlock the fastest path to earning within their chosen program through enhanced rewards with every eligible purchase.

In tandem with the credit card launch, Chico's FAS is rolling out reimagined loyalty programs across all three brands. Each program is designed to be more intuitive, more rewarding, and easier to engage with?featuring: simplified program structures, including fewer tiers, extended reward redemption windows (now six months), greater opportunities to earn, especially when paired with the credit card. Beyond customer benefits, the program is designed to drive stronger engagement and long-term growth?encouraging higher reward redemption and more frequent interaction.

Credit Card Program Offer: Subject to credit approval. Terms and restrictions apply.