Rooms To Go Credit Card Account Agreement and Pricing Addendum

The Rooms To Go 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 document actually states

Synchrony Financial filed this agreement for Rooms To Go Credit Card Account Agreement and Pricing Addendum with the Consumer Financial Protection Bureau. 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. It is silent on a cash advance rate, a balance transfer rate and an annual fee line.

Pricing the purchase rate

Measured against every other filing on the site, 34.99% is about the 84th percentile for purchase APR; it sits in the expensive end of the corpus.

What a balance actually costs

A $3,000 balance left untouched for twelve months accrues about $1,256 in interest at this purchase rate.

On a median-priced agreement from this index (21.99%) the same $3,000 would run about $738 a year, so this card costs in the region of $518 more annually for the identical balance.

Month to month it reads as about $87.49 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.

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.

The jump from 34.99% to 39.99% is 5 percentage points, worth roughly $73 extra per year on $1,000 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

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.

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

What you cannot learn from the filing

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.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Inside Synchrony Financial's filed lineup

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

The document itself

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

34.99% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index.