Fanatics Credit Card Account Agreement and Pricing Addendum

Synchrony Financial's filed agreement for Fanatics Credit Card Account Agreement and Pricing Addendum discloses a 34.99% purchase APR and a 39.99% penalty rate. That purchase rate ranks near the 84th percentile across this corpus of 4,587 filings.

On the face of the filing

Fanatics Credit Card Account Agreement and Pricing Addendum is one of the agreements Synchrony Financial has on file with the CFPB. The filing runs five pages.

The disclosure covers a purchase rate, a penalty rate, a late payment maximum and a grace period. No figure appears for a cash advance rate, a balance transfer rate and an annual fee line.

The purchase APR against the corpus

The purchase APR of 34.99% places this agreement around the 84th percentile of the set — it lands high in the distribution.

The arithmetic of revolving

The purchase rate turns a $1,200 revolving balance into roughly $502 of annual interest.

Against the corpus median of 21.99%, that is approximately $207 a year of extra interest on the same $1,200.

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.

The no-interest path

Purchases carry a 23-day grace period: pay the statement in full inside it and the purchase rate never applies. The typical filing here allows 25 days, so this one is tighter than most.

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

Penalty pricing and late fees

The agreement discloses penalty pricing of 39.99% — about the 86th percentile of the 794 penalty rates recorded across this index.

That is 5 points above the standard purchase rate. On a $3,000 balance, the shift from 34.99% to 39.99% adds something like $218 of interest over a year — the real cost of the default, quite apart from the fee itself.

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

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 34.99% is more expensive than 35 of them.

What you cannot learn from the filing

The disclosure parsed here does not state anything about cash advances, balance transfer terms, an annual fee 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.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Where the authority sits

The original filing, 5 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

The defining fact about this filing is the purchase rate: at 34.99% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance.