Synchrony Financial credit card terms
Store / retail-card issuer · 24 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Synchrony Financial reported a surveyed purchase APR of 17.74% – 34.99% (median 29.78%) to the CFPB Terms of Credit Card Plans survey, across 24 products. It is one of the 25 largest U.S. card issuers. Annual fees on surveyed cards: $89 – $99. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Synchrony Financial surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 17.74% – 34.99% |
| Median purchase APR | 29.78% |
| Rate type | variable & fixed |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 37.99% |
| Annual fee | $89 – $99 |
| Late fee (median) | $30 |
| Secured card offered | Not reported |
| Products surveyed | 24 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Synchrony Financial did not report that field in the survey.
Synchrony Financial purchase APR by credit tier
Median purchase APR Synchrony Financial reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 33.99% |
| Good credit (620-719) | 31.24% |
| Great credit (720+) | 25.74% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Synchrony Financial compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Synchrony Financial's median of 29.78% sits above the 21% national average APR.
Similar issuers (store / retail-card issuer)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Synchrony Financial (this issuer) | 17.74% – 34.99% | 29.78% | $89 – $99 |
| Comenity Bank | 17.74% – 35.99% | 22.99% | $149 |
| Comenity Capital Bank | 17.74% – 34.99% | 9.99% | $249 |
Comenity Bank · Comenity Capital Bank
Frequently asked questions
What is Synchrony Financial's credit card APR?
Synchrony Financial reported a purchase APR of 17.74% – 34.99% to the CFPB Terms of Credit Card Plans survey (median 29.78%), across 24 surveyed products. Rates are variable & fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Synchrony Financial charge an annual fee?
Synchrony Financial's surveyed cards carry an annual fee of $89 – $99. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is Synchrony Financial a good choice for a low APR?
Synchrony Financial is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
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Sources & accuracy
Terms reported by Synchrony Financial (Synchrony Financial) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29