Bryant Credit Card Agreement and Pricing Addendum

On the record for Bryant Credit Card Agreement and Pricing Addendum: a 26.99% purchase APR, filed by Synchrony Financial. Against the 4,587 filings on this site, that rate lands around the 65th percentile.

On the face of the filing

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

The disclosure covers a purchase rate, a late payment maximum and a grace period. A cash advance rate, a balance transfer rate and a penalty rate are not stated.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

The purchase rate in context

Ranked against the corpus, this purchase APR — 26.99% — sits at approximately the 65th percentile and runs above the midpoint of the corpus.

The arithmetic of revolving

Carry $4,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,239 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $983. The gap — roughly $255 a year on $4,000 — is the price of this particular filing over a typical one.

Month to month it reads as about $89.69 per cycle on that balance.

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

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

What a missed payment costs

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

The no-interest path

Anyone clearing the statement balance inside 23 days pays no purchase interest at all under this filing. With a corpus median of 25 days, this window is narrower than the norm.

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

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

Synchrony Financial has 212 agreements indexed on this site. Their disclosed purchase rates run from 0% to 34.99%, and this one at 26.99% is more expensive than 18 of them.

Go to the source

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 pricing here is middling by the standards of the index — 26.99% on purchases is near enough to typical. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.