Synchrony Premier World Mastercard Account Agreement and Pricing Addendum FINAL

Synchrony Premier World Mastercard Account Agreement and Pricing Addendum FINAL, as filed by Synchrony Financial, carries a 10.74% purchase APR and a 20.74% penalty rate. The purchase rate sits at roughly the 6th percentile of the 4,587 agreements indexed here.

On the face of the filing

Synchrony Financial filed this agreement for Synchrony Premier World Mastercard Account Agreement and Pricing Addendum FINAL with the Consumer Financial Protection Bureau. The filing runs seven pages, and It is issued on the Mastercard network.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and a late payment maximum. It is silent on an annual fee line.

How the purchase rate compares

Ranked against the corpus, this purchase APR — 10.74% — sits at approximately the 6th percentile and reads as inexpensive against the rest of the filings.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The arithmetic of revolving

At the disclosed purchase APR, $3,000 revolving for a full year costs something like $340 in interest.

The corpus median purchase rate is 21.99%, which on the same $3,000 would cost about $738 a year. This filing saves roughly $398 annually against that benchmark.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Where the fees are

For cash advances the filing discloses a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 13.74%. That is 3 points above the purchase rate. $200 is the crossover point where the percentage overtakes the $10 minimum.

Moving a balance onto this card carries an up-front charge of $10 or 4% of the amount transferred, whichever is greater, with the transferred balance priced at 10.74%. On $7,500 that fee is about $300 before any interest is charged.

The filing sets a 3% foreign transaction fee, which adds roughly $60 to $2,000 spent outside the United States.

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

When a payment is late

If the account defaults, the filing permits a rate of 20.74%. Among disclosing agreements here that ranks near the 27th percentile.

The jump from 10.74% to 20.74% is 10 percentage points, worth roughly $234 extra per year on $2,000 of balance.

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

Grace period and minimum charge

Anyone clearing the statement balance inside 23 days pays no purchase interest at all under this filing. 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 is outside the disclosure

This page cannot tell you an annual fee, because the filing's disclosure table as read does not contain it.

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.

The issuer's other agreements

Synchrony Financial has 212 agreements indexed on this site. The issuer's own range is 0%–34.99%. At 10.74%, this agreement is dearer than 2 of its siblings.

Where the authority sits

This summary stands or falls on the linked PDF — seven pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The purchase rate of 10.74% is one of the cheaper figures in this index — the central point in the agreement's favour.