Techron Advantage Visa Card Account Agreement and Pricing Addendum

The Techron Advantage Visa Card Account Agreement and Pricing Addendum filing from Synchrony Financial sets out a 33.99% purchase APR. That purchase rate ranks near the 79th percentile across this corpus of 4,587 filings.

What this filing discloses

The document behind this page is Synchrony Financial's filed agreement for Techron Advantage Visa Card Account Agreement and Pricing Addendum. The filing runs six pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, a late payment maximum, a foreign transaction fee and a grace period. A balance transfer rate, a penalty rate and an annual fee line are not stated.

The purchase rate in context

At 33.99%, the purchase APR falls at roughly the 79th percentile of the 2,280 filings indexed here, which comes in above the median.

The cost of carrying a balance

A $2,500 balance left untouched for twelve months accrues about $1,011 in interest at this purchase rate.

A card priced at the corpus median of 21.99% would charge roughly $615 on that balance. This one charges about $397 more per year.

There is also a floor: the filing sets a minimum interest charge of $1, so any cycle that accrues less than that is billed at $1 anyway.

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.

Charges beyond interest

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 33.99%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

The filing sets a 3% foreign transaction fee, which adds roughly $90 to $3,000 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

Late payments are capped at $35 under this filing, about the 54th percentile of late fee maximums in the corpus.

The no-interest path

23 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That is shorter than the 25-day corpus median.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

Inside Synchrony Financial's filed lineup

This is one of 212 Synchrony Financial agreements collected here. Their disclosed purchase rates run from 0% to 34.99%, and this one at 33.99% is more expensive than 33 of them.

What you cannot learn from the filing

This page cannot tell you balance transfer terms, an annual fee and penalty pricing, 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.

Where the authority sits

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

33.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.