Up to $5.
Up to
SYNCHRONY BANK
FR833282333 AMAZON SECURED CARD AND PRIME SECURED CARD
T&C SECURED PDF WF13965560M 3/2026
SECTION I: RATES AND FEES TABLE AMAZON SECURED CARD AND PRIME SECURED CARD ACCOUNT AGREEMENT
PRICING INFORMATION
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases - Secured Card Features · 10.00%
APR for Purchases - Store Card Features · The APR for purchases is the prime rate plus 22.74%. This APR will vary with the market based on the Prime Rate.*
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.
Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.50.
Fees
Penalty Fees
l Late Payment Secured Card Features
l Late Payment Store Card Features
$40.
How We Will Calculate Balance · Your We use a method called “daily balance.” See your credit card account agreement below for more details.
*Although this APR will vary, it will not exceed 29.99%.
HOW THE TWO SETS OF FEATURES WORK
l This credit card account has two sets of credit features: The Secured Card features and the Store Card features. The two sets of credit features have different Purchase APRs and Late Payment Fees and may have different rewards available. Please see the Table above and Section II of this Agreement for more information on rates and fees and visit www.amazon.com/securedcard for details about the rewards applicable to each set of credit features.
l Upon approval, you will only be able to access the Secured Card features of the account. The Secured Card features require a security deposit which will be equal to the credit limit on your account. If you do not complete the security deposit, the account will not be opened. Please see Section V of this Agreement for more information on the security deposit account.
l After you have been an accountholder for 12 months, and if the Amazon.com account you used to apply for and fund the credit card account is still open, we will consider whether you are eligible to opt in to access the Store Card features of the account based on specific eligibility criteria and your credit profile. If you are eligible, we will notify you and you may, but are not required to, affirmatively choose to access the Store Card features. The Store Card features do not require a security deposit, but have a higher Purchase APR and Late Payment Fee and may have different rewards. If you opt in to access the Store Card features, your access to the Secured Card features will be permanently disabled.
l If you are eligible to opt in to access the Store Card features, we will provide you with important information to help you decide whether to change your credit features. This information will include, but is not limited to the following:
n A statement that the Store Card features will have the same terms as previously disclosed;
n The same terms for the Secured Card features and Store Card features of the account that were initially provided at account approval, unless the terms have been revised pursuant to a change in terms notice;
n A copy of your cardholder agreement;
n A statement that you may, but are not required to, choose to opt in to access the Store Card features of the account;
n A statement that if you opt in to access the Store Card features, your access to the Secured Card features will be permanently disabled;
n A reminder of the higher Purchase APR and Late Fees that will apply once the Store Card features are activated and any different benefits, as applicable;
n A reminder that choosing to access the Store Card features means that your security deposit will be returned, minus the amount needed to pay off the existing Secured Card features balances and payments due as shown below;
n How the effective date will be set for switching credit features and that the terms of the Store Card features will apply on or after the effective date;
n How you may opt in (which will involve an electronic or written communication), and the deadline to do so;
