Nissan Visa Signature Card Account Agreement and Pricing Information

Synchrony Financial prices Nissan Visa Signature Card Account Agreement and Pricing Information 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.

On the face of the filing

Synchrony Financial submitted the terms for Nissan Visa Signature Card Account Agreement and Pricing Information to the CFPB's agreement database; this is what they contain. The filing runs six pages, and It is issued on the Visa network.

On the record here: a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.

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

A margin over Prime, not a rate

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.

Because the filing prices off an index, the dollar cost of a balance cannot be computed from the document alone. It is the current Prime Rate that completes the sum, and that changes.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

Grace period and minimum charge

The filing gives 23 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That is shorter than the 25-day corpus median.

A minimum interest charge of $2 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Penalty pricing and late fees

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

Fees, and what triggers them

For cash advances the filing discloses a cash advance fee of $10 or 4% of the advance, whichever is greater. $250 is the crossover point where the percentage overtakes the $10 minimum.

Foreign transactions attract 3%. On $3,000 of overseas spending that is $90, charged on top of whatever exchange rate applies.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

How it sits in the issuer's own range

212 separate Synchrony Financial filings appear in the corpus. Their disclosed purchase rates run from 0% to 34.99%, though this particular filing does not state one in comparable form.

What the filing does not tell you

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

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.

Reading the agreement yourself

This summary stands or falls on the linked PDF — six pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

What can be said is how this card is priced, not what it costs. That distinction is the whole of the analysis here, and the agreement is the place to confirm the index it uses.