Synchrony BankSOMA CREDIT CARDRegistry illustration · issuer artwork unavailable
SOMA CREDIT CARDSynchrony Bank · SB bank, FL · FDIC 27314
CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | Not disclosedSynchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “The APR for purchases is the prime rate plus 22.87%. This APR will vary with the market based on the Prime Rate.”Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| 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 |
| Rate mechanics · Purchase | 22.87% | — | — |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | $0Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “None”Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| 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 | |