CFPB TCCP survey · December 31, 2025
Synchrony Financial credit card rates & fees
Synchrony Financial reported 24 credit card plans to the CFPB. Their median purchase APR is 29.92%, higher than the 23.49% median across all surveyed cards. The lowest starting APR is on the Synchrony Premier World Mastercard (17.74%). 21 of 24 plans have no annual fee.
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| Synchrony Premier World MastercardCashback rewards | 17.74% – 33.74% | 27.2% / 34.0% / 34.0% | — | $0 | $30 | 3.0% | 23 d |
| PayPal Cashback MastercardCashback rewards | 18.49% – 33.24% | 19.2% / 31.0% / 34.0% | 33.24% | $0 | $29 | 3.0% | 23 d |
| Venmo Visa CardCashback rewards | 18.74% – 31.24% | 28.5% / 31.0% / 31.5% | 30.99% | $0 | $30 | 0.0% | 23 d |
| Venmo Visa Signature CardCashback rewards | 18.74% – 31.24% | 19.5% / 28.5% / 31.5% | 30.99% | $0 | $30 | 0.0% | 23 d |
| Sun Country Visa CardTravel-related rewards; Other rewards | 20.39% – 28.64% | 20.9% / 28.9% / – | — | $89 | $30 | 0.0% | 23 d |
| Sam's World Elite MastercardCashback rewards | 20.40% – 28.65% | 28.4% / 28.9% / 28.9% | — | $0 | $29 | 0.0% | 23 d |
| OnePay Cash Rewards World MastercardOther rewards | 20.49% – 31.49% | 21.0% / 31.2% / 31.2% | 27.74% | $0 | $30 | 0.0% | 23 d |
| Virgin Red Rewards World Elite MastercardTravel-related rewards | 20.49% – 28.49% | 20.2% / 28.5% / – | — | $99 | $30 | 0.0% | 23 d |
| Fleet Rewards Visa CardOther rewards | 22.49% – 33.74% | 33.5% / 34.0% / 34.0% | 32.99% | $0 | $30 | 0.0% | 23 d |
| Verizon Visa Signature CardCashback rewards | 22.49% – 33.74% | 23.0% / 34.0% / 34.0% | 32.37% | $0 | $30 | 0.0% | 23 d |
| MyWalgreens MastercardOther rewards | 24.99% – 34.74% | 30.7% / 34.0% / 34.0% | 34.99% | $0 | $29 | 3.0% | 23 d |
| Cathay Pacific Visa CardTravel-related rewards; Other rewards | 25.24% – 31.49% | 25.7% / 31.7% / – | — | $99 | $30 | 0.0% | 23 d |
| Synchrony Plus World MastercardCashback rewards | 26.74% – 33.49% | 34.0% / 34.0% / 34.0% | — | $0 | $30 | 3.0% | 23 d |
| Synchrony Preferred Mastercard | 26.74% – 33.49% | – / – / – | 33.23% | $0 | $30 | 3.0% | 23 d |
| PayPal Credit MastercardCashback rewards | 29.64% | – / – / – | 29.64% | $0 | $30 | 3.0% | 23 d |
| ScoreRewards MastercardOther rewards | 30.74% – 30.99% | – / – / – | 29.99% | $0 | $30 | 3.0% | 23 d |
| TJX Rewards Platinum MastercardOther rewards | 30.74% – 31.24% | – / – / – | 34.99% | $0 | $27 | 0.0% | 23 d |
| CareCredit MastercardOther rewards | 32.99% | – / – / – | 32.99% | $0 | $30 | 3.0% | 23 d |
| AEO, Inc. Visa CardOther rewards | 33.49% – 33.99% | – / – / – | 34.74% | $0 | $30 | 3.0% | 23 d |
| At Home Insider Perks MastercardOther rewards | 33.49% – 33.74% | – / – / – | 33.62% | $0 | $30 | 3.0% | 23 d |
| JCPenney MastercardOther rewards | 33.49% – 33.74% | – / – / – | 33.62% | $0 | $30 | 3.0% | 23 d |
| J Crew MastercardOther rewards | 33.49% – 33.74% | – / – / – | 34.62% | $0 | $30 | 3.0% | 23 d |
| Techron Advantage Visa Card | 33.99% | – / – / – | 33.99% | $0 | $29 | 3.0% | 23 d |
| Belk Rewards MastercardOther rewards | 34.99% | – / – / – | 36.49% | $0 | $29 | 3.0% | 23 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.