Synchrony Bank

PayPal Cashback Mastercard

APR for purchasesIntroductory rate shown first.: Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
All applicants18.49%–33.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Credit score 619 or less33.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Credit scores from 620 to 71930.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Credit score of 720 or greater19.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
APR for balance transfers: Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
APR for cash advances: 33.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-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:paypal-cashback-mastercard
Annual fee: AnnualNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Transaction fees: Cash advance5% of the amount, minimum $10Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Balance transferNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Foreign transaction3% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Penalty fees: First late fee$29Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Repeat late fee within six billing cycles$40Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Returned payment—
Other fees: Returned Payment Fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Debt Cancellation$1.66Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Paper Statement Fee$1.99Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Over limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Purchase transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard
Source: Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-cashback-mastercard · captured 2026-09-06