ScoreRewards Mastercard Account Agreement and Pricing Addendum FINAL

Pricing in Synchrony Financial's ScoreRewards Mastercard Account Agreement and Pricing Addendum FINAL agreement is expressed relative to the Prime Rate. This review treats those figures as margins, which is what they are, and compares the fee terms that can be compared.

The disclosed terms

ScoreRewards Mastercard Account Agreement and Pricing Addendum FINAL is one of the agreements Synchrony Financial has on file with the CFPB. It is issued on the Mastercard network and the filing runs six pages.

Terms captured from the document include a cash advance rate, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a balance transfer rate and a penalty rate.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

How this filing expresses its pricing

Pricing here is disclosed in the form "Prime plus a margin". The numbers in this document are therefore the margin component only, and cannot be read as the cost of borrowing on their own.

As read from the document: 29.99 points for cash advances.

This structure makes the card impossible to price from the filing in isolation — and deliberately so. The rate is whatever Prime is when the statement closes, plus the margin above.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

When a payment is late

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

Charges beyond interest

For cash advances the filing discloses a cash advance fee of $10 or 5% of the advance, whichever is greater. Advances under roughly $200 are charged the flat $10; larger ones are charged 5%.

The filing sets a 3% foreign transaction fee, which adds roughly $150 to $5,000 spent outside the United States.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Paying in full

The filing gives 23 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. The typical filing here allows 25 days, so this one is tighter than most.

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

How it sits in the issuer's own range

There are 212 filings from Synchrony Financial in this index. Their disclosed purchase rates run from 0% to 34.99%, though this particular filing does not state one in comparable form.

The limits of this document

The disclosure parsed here does not state a purchase rate, balance transfer terms, an annual fee and penalty pricing. 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.

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.

Go to the source

The filed PDF is linked from this page and runs six pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

The honest summary is that this filing discloses a structure rather than a price. The margins are real and comparable to each other; the cost of borrowing is whatever Prime makes it.