York Credit Card Agreement and Pricing Addendum

York Credit Card Agreement and Pricing Addendum, as filed by Synchrony Financial, carries a 26.99% purchase APR. The purchase rate sits at roughly the 65th percentile of the 4,587 agreements indexed here.

The disclosed terms

Synchrony Financial filed this agreement for York Credit Card Agreement and Pricing Addendum with the Consumer Financial Protection Bureau. The filing runs five pages.

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

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

The purchase APR against the corpus

Set beside the rest of the index, the purchase APR of 26.99% lands at the 65th percentile; it sits in the more expensive half.

The arithmetic of revolving

A $3,000 balance left untouched for twelve months accrues about $929 in interest at this purchase rate.

Against the corpus median of 21.99%, that is approximately $191 a year of extra interest on the same $3,000.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Penalty pricing and late fees

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

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.

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

The issuer's other agreements

Synchrony Financial has 212 agreements indexed on this site. Their disclosed purchase rates run from 0% to 34.99%, and this one at 26.99% is more expensive than 18 of them.

What the filing does not tell you

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee, 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.

The document itself

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

In short

At 26.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.