EC Barton Credit Card Account Agreement and Pricing Addendum

On the record for EC Barton Credit Card Account Agreement and Pricing Addendum: a 34.99% purchase APR and a 39.99% penalty rate, filed by Synchrony Financial. That purchase rate ranks near the 84th percentile across this corpus of 4,587 filings.

What the document actually states

EC Barton 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.

Terms captured from the document include 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.

Pricing the purchase rate

Ranked against the corpus, this purchase APR — 34.99% — sits at approximately the 84th percentile and is costlier than the large majority of filings here.

What the rate means in dollars

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $628 in interest.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $259 more per year.

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

Paying in full

The filing gives 23 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That is shorter than the 25-day corpus median.

A minimum interest charge of $2 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

The downside terms

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.

That is 5 points above the standard purchase rate. On a $2,500 balance, the shift from 34.99% to 39.99% adds something like $182 of interest over a year — the real cost of the default, quite apart from the fee itself.

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

How it sits in the issuer's own range

There are 212 filings from Synchrony Financial in this index. The issuer's own range is 0%–34.99%. At 34.99%, this agreement is dearer than 35 of its siblings.

What you cannot learn from the filing

Absent from the captured terms: anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee. The original document is the place to look for any of these.

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

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.