FR833282333_CATHAY WORLD ELITE MASTERCARD
TC DC PDF WF14035953A, WF14035953B, WF14035953C 3/2026
SYNCHRONY BANK SECTION I: RATES AND FEES TABLE CATHAY WORLD ELITE 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 (i) 18.24% for Account Type 1, or (ii) 21.24% for Account Type 2, or (iii) 24.24% for Account Type 3. Rates are determined when you open your account, based on your creditworthiness and other factors. These rates will vary with the market based on the Prime Rate.
APR for Balance Transfers · The APR for balance transfers is the prime rate plus (i) 18.24% for Account Type 1, or (ii) 21.24% for Account Type 2, or (iii) 24.24% for Account Type 3. Rates are determined when you open your account, based on your creditworthiness and other factors. These rates will vary with the market based on the Prime Rate.
APR for Cash Advances · The APR for cash advances is the prime rate plus 28.24%. 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 (i) 28.24% for Account Type 1, or (ii) 31.24% for Account Type 2, or (iii) 34.24% for Account Type 3. Rates are determined when you open your account, based on your creditworthiness and other factors. These rates 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 balance transfers and cash advances on the transaction date.
Minimum Interest Charge · If you are charged interest, the charge will be no less than $2.00.
Fees
Annual Fee · $99
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 5% of the amount of each cash advance, whichever is greater.
Penalty Fees l Late Payment l Returned Payment · Up to $41. 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.
*Although this APR will vary, it will not exceed 39.99%.
