Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	32.99%Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“32.99%”Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	32.99%Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“32.99%”Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	32.99%Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“32.99%”Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late payment; may apply indefinitely	39.99%Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“39.99% 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
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

CareCredit_Mastercard_Agreement_and_Pricing_Addendum_FINALpage 1 of 6

FR833282333_CARECREDIT REWARDS MASTERCARD

TC DC PDF 184-638-00 WF14184805E 3/2026

SYNCHRONY BANK SECTION I: RATES AND FEES TABLE CARECREDIT ® REWARDS™ MASTERCARD ® ACCOUNT AGREEMENT PRICING INFORMATION

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 32.99% APR for Balance Transfers · 32.99% APR for Cash Advances · 32.99% Penalty APR and When It Applies · 39.99% 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 non-promotional purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. We will begin charging interest on promotional purchases on the purchase date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $2.00.

Fees Transaction Fees l Balance Transfer l Cash Advance · Either $5 or 5% of the amount of each balance transfer, whichever is greater. Either $10 or 4% of the amount of each cash advance, whichever is greater. l Foreign Transaction · 3% of each transaction. Penalty Fees l Late Payment · Up to $41. l Returned Payment · Up to $41.

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.

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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
“32.99%”
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Synchrony Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“32.99%”
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Synchrony Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“39.99% 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
“32.99%”
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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 non-promotional purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. We will begin charging interest on promotional purchases on the purchase 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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History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer APR, Cash advance APR, Penalty APR, Purchase APR

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

Documents

CareCredit_Mastercard_Agreement_and_Pricing_Addendum_FINALeffective date not parsed

CARECREDIT® REWARDS™ MASTERCARD®Synchrony Bank · SB bank, FL · FDIC 27314

Rates and fees