Adorama Credit Card Account Agreement and Pricing Addendum

The Adorama Credit Card Account Agreement and Pricing Addendum filing from Synchrony Financial sets out a 34.99% purchase APR and a 39.99% penalty rate. Against the 4,587 filings on this site, that rate lands around the 84th percentile.

What the agreement puts on the record

Adorama Credit Card Account Agreement and Pricing Addendum is one of the agreements Synchrony Financial has on file with the CFPB. The filing runs five pages.

The filing is explicit about a purchase rate, a penalty rate, a late payment maximum and a grace period. A cash advance rate, a balance transfer rate and an annual fee line are not stated.

How the purchase rate compares

34.99% puts the purchase APR near the 84th percentile across 2,280 agreements, so it sits in the expensive end of the corpus.

What the rate means in dollars

The purchase rate turns a $2,500 revolving balance into roughly $1,047 of annual interest.

On a median-priced agreement from this index (21.99%) the same $2,500 would run about $615 a year, so this card costs in the region of $432 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $72.91.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

The downside terms

If the account defaults, the filing permits a rate of 39.99%. Among disclosing agreements here that ranks near the 86th percentile.

The jump from 34.99% to 39.99% is 5 percentage points, worth roughly $182 extra per year on $2,500 of balance.

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

Paying in full

23 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That is shorter than the 25-day corpus median.

Where interest applies at all, the filing bills at least $2. On a tiny balance that floor can dwarf the rate itself.

What the filing does not tell you

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee, because the filing's disclosure table as read does not contain them.

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.

Inside Synchrony Financial's filed lineup

There are 212 filings from Synchrony Financial in this index. Across that lineup purchase rates span 0% to 34.99%; this filing's 34.99% sits above 35 of the comparable ones.

Where the authority sits

This summary stands or falls on the linked PDF — five pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The defining fact about this filing is the purchase rate: at 34.99% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance.