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Synchrony Bank
- APR for purchasesIntroductory rate shown first.
- Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardAll applicants25.24%–31.49% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardCredit scores from 620 to 71931.74% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardCredit score of 720 or greater25.74% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-card
- APR for balance transfers
- Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-card
- APR for cash advances
- All applicants35.24%–35.49% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardCredit score 619 or less0.35% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardCredit scores from 620 to 7190.35% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardCredit score of 720 or greater0.35% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-card
- Penalty APRCharged after a late or returned payment.
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- 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:cathay-pacific-visa-card
- Annual fee
- Annual$99Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-card
- Transaction fees
- Cash advance5% of the amount, minimum $10Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardBalance transfer5% of the amount, minimum $5Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardForeign transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-card
- Penalty fees
- First late fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardRepeat late fee within six billing cycles$41Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardReturned payment—
- Other fees
- Returned Payment Fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardPaper Statement Fee$1.99Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardOver limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-cardPurchase transactionSource uses calendar monthsConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-card
- Source
- Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:cathay-pacific-visa-card · captured 2026-09-06