Big Sandy Superstore Credit Card Account Agreement and Pricing Addendum

The Big Sandy Superstore Credit Card Account Agreement and Pricing Addendum filing from Synchrony Financial sets out a 34.99% purchase APR and a 39.99% penalty rate. That purchase rate ranks near the 84th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

Synchrony Financial submitted the terms for Big Sandy Superstore Credit Card Account Agreement and Pricing Addendum to the CFPB's agreement database; this is what they contain. The filing runs five pages.

On the record here: 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.

The purchase rate in context

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 a balance actually costs

Put $1,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $419.

A card priced at the corpus median of 21.99% would charge roughly $246 on that balance. This one charges about $173 more per year.

Small balances do not get a proportionally small bill — the agreement imposes a $2 minimum interest charge in any month where interest applies.

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.

Penalty pricing and late fees

A penalty APR of 39.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 86th percentile.

The jump from 34.99% to 39.99% is 5 percentage points, worth roughly $218 extra per year on $3,000 of balance.

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

The grace period

Anyone clearing the statement balance inside 23 days pays no purchase interest at all under this filing. That is shorter than the 25-day corpus median.

The $2 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Against the rest of Synchrony Financial's filings

This is one of 212 Synchrony Financial agreements collected here. Their disclosed purchase rates run from 0% to 34.99%, and this one at 34.99% is more expensive than 35 of them.

What the filing does not tell you

The disclosure parsed here does not state anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Reading the agreement yourself

Everything here is a reading of the filed agreement, five pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

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.