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Synchrony Bank
- APR for purchasesIntroductory rate shown first.
- 0% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercard29.64% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercard
- APR for balance transfers
- Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercard
- APR for cash advances
- 29.64% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-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:paypal-credit-mastercard
- Annual fee
- AnnualNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercard
- Transaction fees
- Cash advance5% of the amount, minimum $10Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercardBalance transferNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercardForeign transaction3% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercard
- Penalty fees
- First late fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercardRepeat late fee within six billing cycles$41Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercardReturned payment—
- Other fees
- Returned Payment Fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercardDebt Cancellation$1.66Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercardPaper Statement Fee$1.99Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercardOver limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercardPurchase transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercard
- Source
- Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:paypal-credit-mastercard · captured 2026-08-31