Synchrony BankAt Home Insider Perks MastercardRegistry illustration · issuer artwork unavailable

At Home Insider Perks MastercardSynchrony Bank · SB bank, FL · FDIC 27314

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

33.49%–33.74%

variable

Balance transfer

—

Cash advance APR

—

Annual fee

a year

Foreign fee

of the amount

Grace period

23 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
	33.49%–33.74% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	Not disclosedSynchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“The APR for cash advances is the prime rate plus 26.49%. This APR will vary with the market based on the Prime Rate.*”Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late payment; may apply indefinitely	Not disclosedSynchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“The Penalty APR for all transactions is the prime rate plus 36.49%. This APR will vary with the market based on the Prime Rate.* This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: If your APRs are increased for this reason, the Penalty APR may remain in effect indefinitely.”Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Rate mechanics · Cash advance	26.49%	—	—
Rate mechanics · PenaltyPenalty	36.49%	—	—
Paying interestgrace period on new purchases	23 days from the close of each billing cycle	—	—
Minimum interest charge	$2	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	5% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$30Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Returned Payment Fee	$30, 1st $30.00; 2nd $41.00 each additional time a payment is returned within six billing cyclesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Debt Cancellation	$1.66, $1.66 per $100 balance per monthConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Paper Statement Fee	$1.99, In any billing cycle in which your balance is greater than $2.50 and a monthly billing statement in paper form is sentConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

At_Home_Insider_Perks_Mastercard_Account_Agreement_and_Pricing_Addendum_FINALpage 1 of 7

FR833282333_AT HOME INSIDER PERKS MASTERCARD

TC DC PDF WF13625080AU 3/2026

SYNCHRONY BANK SECTION I: RATES AND FEES TABLE AT HOME INSIDER PERKS ® MASTERCARD ® ACCOUNT AGREEMENT PRICING INFORMATION

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · The APR for purchases is the prime rate plus 26.49%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances · The APR for cash advances is the prime rate plus 26.49%. This APR will vary with the market based on the Prime Rate.* Penalty APR and When It Applies · The Penalty APR for all transactions is the prime rate plus 36.49%. This APR will vary with the market based on the Prime Rate.* This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: If your APRs are increased for this reason, the Penalty APR may remain in effect indefinitely. Paying Interest · Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $2.00.

Fees Transaction Fees l Cash Advance l Foreign Transaction · Either $10 or 5% of the amount of each cash advance, whichever is greater. 3% of each transaction. Penalty Fees l Late Payment l Returned · Up to $41. Up to $41. Payment

How We Will Calculate Balance · Your We use a method called “daily balance.” See your credit card account agreement below for more details. Paper Statement Fee · $1.99 per month.

*Although this APR will vary, it will not exceed 39.99%.

1 2 3 4 5 6 7Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Synchrony Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“The APR for cash advances is the prime rate plus 26.49%. This APR will vary with the market based on the Prime Rate.*”
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Synchrony Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“The Penalty APR for all transactions is the prime rate plus 36.49%. This APR will vary with the market based on the Prime Rate.* This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: If your APRs are increased for this reason, the Penalty APR may remain in effect indefinitely.”
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Synchrony Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $2.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Synchrony Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Balance Transfer Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Other Fee Amount 2, Other Fee Explanation 2, Other Fee Name 2
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Other Fee Amount 3, Other Fee Explanation 3, Other Fee Name 3
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:synchrony-financial:at-home-insider-perks-mastercard
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Cash advance APR, Penalty APR
Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Synchrony Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 27314
Branches: 2 in FL, UT
Sources: Government dataset · 1 document · 1 page cited

Documents

At_Home_Insider_Perks_Mastercard_Account_Agreement_and_Pricing_Addendum_FINALeffective date not parsed

At Home Insider Perks MastercardSynchrony Bank · SB bank, FL · FDIC 27314

Rates and fees