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Synchrony Bank
- APR for purchasesIntroductory rate shown first.
- 0% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardAll applicants26.74%–33.49% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardCredit score 619 or less33.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardCredit scores from 620 to 71933.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardCredit score of 720 or greater33.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercard
- APR for balance transfers
- All applicants0% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardCredit scores from 620 to 7190% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardCredit score of 720 or greater0% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercard
- APR for cash advances
- All applicants29.72%–36.74% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardCredit score 619 or less36.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardCredit scores from 620 to 71936.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardCredit score of 720 or greater36.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercard
- Penalty APRCharged after a late or returned payment.
- —
- 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:synchrony-plus-world-mastercard
- Annual fee
- AnnualNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercard
- Transaction fees
- Cash advance5% of the amount, minimum $10Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardBalance transfer4% of the amount, minimum $10Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardForeign transaction3% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercard
- Penalty fees
- First late fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardRepeat late fee within six billing cycles$41Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardReturned payment—
- Other fees
- Returned Payment Fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardPaper Statement Fee$1.99Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardDebt cancellation$1.66Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardOver limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercardPurchase transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercard
- Balance transfer termsHow long a transfer may be requested for, and how much may be moved.
- Grace period on transfersNoConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercard
- Source
- Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:synchrony-plus-world-mastercard · captured 2026-09-06