The Synchrony is a personal line of credit from Synchrony. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is 29.64% variable purchase and cash APR; penalty APR 34.24%; varies with the market based on the Prime Rate (new accounts as of 5/1/2026). Loan terms: Revolving; due date at least 23 days after the close of each billing cycle; no interest on non-promotional transactions if the entire balance is paid by the due date; interest on promotional purchases from the purchase date if not paid in full within the promotional period; minimum interest charge $2.00.