Amazon com Store Card Account Agreement and Pricing Addendum FINAL

Synchrony Financial prices Amazon com Store Card Account Agreement and Pricing Addendum FINAL as a margin over the Prime Rate rather than as a fixed APR, so the filing discloses the spread but not the cost. This page explains what that means and sets the other disclosed terms against the corpus.

The disclosed terms

What follows is drawn entirely from Synchrony Financial's CFPB filing for Amazon com Store Card Account Agreement and Pricing Addendum FINAL. The filing runs six pages.

Terms captured from the document include an annual fee line, a late payment maximum and a grace period. No figure appears for 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.

A margin over Prime, not a rate

The rate figures in this agreement are expressed as margins over the Prime Rate rather than as absolute APRs. A margin is not a rate: the rate is the margin plus whatever Prime happens to be.

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.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

What the card costs before you borrow

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Penalty pricing and late fees

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

Grace period and minimum charge

Anyone clearing the statement balance inside 23 days pays no purchase interest at all under this filing. With a corpus median of 25 days, this window is narrower than the norm.

Where interest applies at all, the filing bills at least $1.50. On a tiny balance that floor can dwarf the rate itself.

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.

11 of the issuer's other 16 disclosing filings are likewise fee-free.

What is outside the disclosure

The disclosure parsed here does not state a purchase rate, anything about cash advances, balance transfer terms 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.

Where the authority sits

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

Margins over Prime make this agreement legible but not priceable from the document alone. Treat the figures above as structure, and look up the current Prime Rate before drawing conclusions.