Store 5A Credit Card Agreement and Pricing Addendum

Synchrony Financial's filed agreement for Store 5A Credit Card Agreement and Pricing Addendum discloses a 34.99% purchase APR and a 39.99% penalty rate. The purchase rate sits at roughly the 84th percentile of the 4,587 agreements indexed here.

The disclosed terms

This page covers the agreement Synchrony Financial filed for Store 5A Credit Card Agreement and Pricing Addendum. The filing runs five pages.

The disclosure covers 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.

How the purchase rate compares

34.99% puts the purchase APR near the 84th percentile across 2,280 agreements, so it is well above what most issuers disclosed.

The cost of carrying a balance

A $2,000 balance left untouched for twelve months accrues about $837 in interest at this purchase rate.

Against the corpus median of 21.99%, that is approximately $346 a year of extra interest on the same $2,000.

There is also a floor: the filing sets a minimum interest charge of $2, so any cycle that accrues less than that is billed at $2 anyway.

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

Grace period and minimum charge

Purchases carry a 23-day grace period: pay the statement in full inside it and the purchase rate never applies. 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.

Penalty pricing and late fees

If the account defaults, the filing permits a rate of 39.99%. Among disclosing agreements here that ranks near the 86th percentile.

That is 5 points above the standard purchase rate. On a $3,000 balance, the shift from 34.99% to 39.99% adds something like $218 of interest over a year — the real cost of the default, quite apart from the fee itself.

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

Against the rest of Synchrony Financial's filings

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

What you cannot learn from the filing

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.

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

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.