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Synchrony Bank
- APR for purchasesIntroductory rate shown first.
- Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardAll applicants20.40%–28.65% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardCredit score 619 or less28.90% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardCredit scores from 620 to 71928.90% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardCredit score of 720 or greater28.40% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercard
- APR for balance transfers
- Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercard
- APR for cash advances
- All applicants25.40%–31.65% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardCredit score 619 or less31.90% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardCredit scores from 620 to 71931.90% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardCredit score of 720 or greater31.40% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-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:sam-s-world-elite-mastercard
- Annual fee
- AnnualNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercard
- Transaction fees
- Cash advance3% of the amount, minimum $5Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardBalance transferNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardForeign transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercard
- Penalty fees
- First late fee$29Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardRepeat late fee within six billing cycles$40Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardReturned payment—
- Other fees
- Debt Cancellation$1.66Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardReturned Payment Fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardOver limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercardPurchase transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercard
- Source
- Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:sam-s-world-elite-mastercard · captured 2026-09-06