Synchrony Bank

CareCredit Mastercard

APR for purchasesIntroductory rate shown first.: Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
32.99%Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
APR for balance transfers: Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
APR for cash advances: 32.99%Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Penalty APRCharged after a late or returned payment.: —
Paying interestThe grace period on new purchases.: 23 days from the close of each billing cycleConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Annual fee: AnnualNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Transaction fees: Cash advance4% of the amount, minimum $10Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Balance transfer5% of the amount, minimum $5Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Foreign transaction3% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Penalty fees: First late fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Repeat late fee within six billing cycles$41Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Returned payment—
Other fees: Debt Cancellation$1.66Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Returned Payment Fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Paper Statement Fee$1.99Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Over limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Purchase transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard
Source: Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:carecredit-mastercard · captured 2026-09-06