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Synchrony Bank
- APR for purchasesIntroductory rate shown first.
- Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercardAll applicants20.49%–31.49% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercardCredit score 619 or less31.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercardCredit scores from 620 to 71931.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercardCredit score of 720 or greater20.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercard
- APR for balance transfers
- Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercard
- APR for cash advances
- 22.49%–32.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercard
- 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:onepay-cash-rewards-world-mastercard
- Annual fee
- AnnualNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercard
- Transaction fees
- Cash advance5% of the amount, minimum $10Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercardBalance transferNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercardForeign transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercard
- Penalty fees
- First late fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercardRepeat late fee within six billing cycles$41Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercardReturned payment—
- Other fees
- Returned Payment Fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercardOver limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercardPurchase transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercard
- Source
- Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:onepay-cash-rewards-world-mastercard · captured 2026-09-06