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Synchrony Bank

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory, reported median duration 6 months0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Not disclosedSynchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
APR for balance transfersNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
APR for cash advancesNot disclosedSynchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Penalty APRafter a late paymentNot disclosedSynchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Rate mechanics · Cash advance22.89%—
Rate mechanics · PenaltyPenalty27.49%—
Rate mechanics · Purchase22.89%—
Paying interestgrace period on new purchases23 days from the close of each billing cycle—
Minimum interest charge$2—
How we calculate your balanceAverage daily balance including new purchases—
Annual fee$0Synchrony Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Transaction fees
Cash advance5% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Foreign transaction3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty fees
First late fee$30Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Repeat late fee within six billing cycles$41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Returned payment—
Other fees
Returned Payment Fee$30, $30 (1st) amount of the first return payment fee on the account; $41 (2nd) amount of return payment fee charged within six billing cycles of a previous return payment fee (repeat return payment fee)Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Debt Cancellation$1.66, $1.66 per $100 balance per monthConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Paper Statement Fee$1.99, In any billing cycle in which your balance is greater than $2.50 and a monthly billing statement in paper form is sentConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Opening conditionsPayPal account requiredConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website