Store / retail-card issuers: credit card APR & fees
3 issuers · CFPB TCCP survey, Jul-Dec 2025
This hub covers store / retail-card issuers (Synchrony, Comenity/Bread), whose cards carry the highest APRs in the survey. Across the 3 store / retail-card issuers in the CFPB Terms of Credit Card Plans survey, surveyed purchase APRs run from about 17.74% to 35.99%, median 20.92%. Surveyed terms, not offers.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
All store / retail-card issuers by surveyed APR
| Issuer | Surveyed purchase APR | Median APR | Annual fee | Products |
|---|---|---|---|---|
| Comenity Bank | 17.74% – 35.99% | 22.99% | $149 | 10 |
| Comenity Capital Bank | 17.74% – 34.99% | 9.99% | $249 | 24 |
| Synchrony Financial | 17.74% – 34.99% | 29.78% | $89 – $99 | 24 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Comenity Bank · Comenity Capital Bank · Synchrony Financial
Frequently asked questions
What APR do store / retail-card issuers charge?
Across the 3 store / retail-card issuers in the CFPB survey, surveyed purchase APRs run from about 17.74% to 35.99%, with a median of roughly 20.92%. These are surveyed terms, not offers.
Why are store card APRs so high?
Store and retail cards are typically approved with looser credit standards and are not the cardholder's primary card, so issuers price in higher risk - often near 30% to 36%. Deferred-interest promotions can also make the effective cost higher.
Other issuer types
Sources & accuracy
CFPB Terms of Credit Card Plans (TCCP) Survey, U.S. public domain, CFPB TCCP survey, Jul-Dec 2025. Surveyed terms are not offers. See our methodology.
Last updated: 2026-06-29