consumer credit card rates and fees

The consumer credit card rates and fees filing from Pinnacle Bank - Synovus Bank Branch sets out a purchase APR of 16.99%–26.99%, a $50 annual fee and a 0% opening rate. That purchase rate ranks near the 65th percentile across this corpus of 4,587 filings.

The disclosed terms

Pinnacle Bank - Synovus Bank Branch submitted the terms for consumer credit card rates and fees to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs two pages.

The disclosure covers a purchase rate, a balance transfer rate, an annual fee line, a late payment maximum and a foreign transaction fee. It is silent on a cash advance rate, a penalty rate and a grace period.

The filing bundles multiple products into one disclosure table. Any figure quoted here may describe a related card in the same filing, so the PDF should be read before treating these numbers as this card's own.

The interest-free window

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

Zero-percent openings appear in roughly 458 of the filings on this site, which puts this agreement in a sizeable minority rather than a class of its own.

What matters more than the promotion is the rate waiting behind it: 26.99%. A $2,000 balance that survives the promotional window costs roughly $619 a year from that point on.

How the purchase rate compares

Rather than a single purchase rate, the document gives a band — 16.99% at the bottom, 26.99% at the top, 10 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Those two numbers occupy very different places in the corpus: roughly the 44th percentile at the bottom and the 65th at the top.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

What a balance actually costs

The purchase rate turns a $1,000 revolving balance into roughly $310 of annual interest.

Against the corpus median of 21.99%, that is approximately $64 a year of extra interest on the same $1,000.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Charges beyond interest

Holding the card costs $50 a year before any transaction takes place — about the 88th percentile among agreements in this index that state a fee.

A first-year waiver applies according to the document — the $50 begins biting in year two.

The filing discloses a 16.99% balance transfer rate without an accompanying fee figure.

The filing sets a 3% foreign transaction fee, which adds roughly $90 to $3,000 spent outside the United States.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Default pricing

The maximum late fee is $39 — roughly the 63rd percentile of the late fee ceilings disclosed across this index.

The no-interest path

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

What you cannot learn from the filing

Absent from the captured terms: anything about cash advances, a grace period and penalty pricing. The original document is the place to look for any of these.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Against the rest of Pinnacle Bank - Synovus Bank Branch's filings

This is one of 21 Pinnacle Bank - Synovus Bank Branch agreements collected here. Across that lineup purchase rates span 10.74% to 26.99%; this filing's 26.99% sits above 8 of the comparable ones.

Among the issuer's other filings that disclose a fee, 5 of 9 come in below this card's $50.

Go to the source

The original filing, 2 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

The pricing here is middling by the standards of the index — 26.99% on purchases is near enough to typical. Note that the $50 annual fee falls due whether the card is used or not. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.