Sun Country Visa Signature Card Account Agreement and Pricing Addendum FINAL

Synchrony Financial's filed agreement for Sun Country Visa Signature Card Account Agreement and Pricing Addendum FINAL discloses a 13.39% purchase APR, a $89 annual fee and a 23.39% penalty rate. Against the 4,587 filings on this site, that rate lands around the 11th percentile.

What the agreement puts on the record

Synchrony Financial filed this agreement for Sun Country Visa Signature Card Account Agreement and Pricing Addendum FINAL with the Consumer Financial Protection Bureau. The filing runs seven pages, and It is issued on the Visa network.

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

The purchase rate in context

The purchase APR of 13.39% places this agreement around the 11th percentile of the set — it is comfortably below what most issuers filed.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

What the rate means in dollars

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $172 in interest.

Measured against the 21.99% corpus median, the same $1,200 costs approximately $123 less per year here.

Month to month it reads as about $13.28 per cycle on that balance.

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.

What the card costs before you borrow

$89 a year is the disclosed annual fee, which ranks near the 91st percentile of the fees filed across this corpus.

One way to size that fee: at the card's own purchase rate of 13.39%, $89 is roughly the interest a balance of about $665 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater. $200 is the crossover point where the percentage overtakes the $10 minimum.

The transfer fee is $5 or 5% of the amount transferred, whichever is greater; transferred balances then run at 13.39%. Shifting $5,000 across attracts something like $250 in fees on day one.

The downside terms

If the account defaults, the filing permits a rate of 23.39%. Among disclosing agreements here that ranks near the 34th percentile.

The jump from 13.39% to 23.39% is 10 percentage points, worth roughly $300 extra per year on $2,500 of balance.

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

The grace period

23 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. 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.

How it sits in the issuer's own range

This is one of 212 Synchrony Financial agreements collected here. Across that lineup purchase rates span 0% to 34.99%; this filing's 13.39% sits above 7 of the comparable ones.

Among the issuer's other filings that disclose a fee, 12 of 16 come in below this card's $89.

What the filing does not tell you

This page cannot tell you a foreign transaction fee, because the filing's disclosure table as read does not contain it.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

The document itself

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

In short

13.39% places this filing at the inexpensive end of the set, which is the headline here. Note that the $89 annual fee falls due whether the card is used or not.