TJX Rewards Credit Card Account Agreement and Pricing Addendum FINAL

The TJX Rewards Credit Card Account Agreement and Pricing Addendum FINAL filing quotes margins over Prime instead of finished rates. What that leaves knowable — and what it does not — is the subject of this analysis.

On the face of the filing

The document behind this page is Synchrony Financial's filed agreement for TJX Rewards Credit Card Account Agreement and Pricing Addendum FINAL. The filing runs six pages.

Terms captured from the document include a penalty rate, a late payment maximum and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer 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

This filing does not quote finished APRs. It states margins — numbers that are added to the Prime Rate to produce the rate actually charged. Everything below should be read that way.

The margins captured from the filing are 33.74 points for penalty pricing.

No cost illustration appears in this section for a reason: multiplying a margin by a balance produces a meaningless number. The real rate is Prime plus the margin, and Prime is not in this document.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

What a missed payment costs

The maximum late fee is $38 — roughly the 60th percentile of the late fee ceilings disclosed across this index.

The no-interest path

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.

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

What is outside the disclosure

Absent from the captured terms: a purchase rate, anything about cash advances, balance transfer terms and an annual fee. The original document is the place to look for any of these.

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.

Against the rest of Synchrony Financial's filings

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.

Reading the agreement yourself

Everything here is a reading of the filed agreement, six 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 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.