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Synchrony Bank
- APR for purchasesIntroductory rate shown first.
- Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-cardAll applicants18.74%–31.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-cardCredit score 619 or less31.49% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-cardCredit scores from 620 to 71928.49% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-cardCredit score of 720 or greater19.49% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-card
- APR for balance transfers
- Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-card
- APR for cash advances
- 30.74%–31.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-card
- 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:venmo-visa-signature-card
- Annual fee
- AnnualNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-card
- Transaction fees
- Cash advance5% of the amount, minimum $10Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-cardBalance transferNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-cardForeign transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-card
- Penalty fees
- First late fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-cardRepeat late fee within six billing cycles$41Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-cardReturned payment—
- Other fees
- Returned Payment Fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-cardPaper Statement Fee$1.99Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-cardOver limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-cardPurchase transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-card
- Source
- Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:synchrony-financial:venmo-visa-signature-card · captured 2026-09-06