Purchase APR
33.49–33.74%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $1,008.60
← Back to explorer
41
PayPal Credit Mastercard
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
29.64%
Annual fee
None
0% intro
6 mo
0% transfer
None
Foreign fee
3%
Grace period
23 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered29.64%
Median29.64%
Highest offered29.64%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered29.64%
Median29.64%
Highest offered29.64%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee5% (min $10)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$2
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$30
Debt Cancellation$1.66
Paper Statement Fee$1.99
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- Debt cancellation coverage
- Discounts on purchases of goods and services (non travel related)
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-855-938-3684
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 29.64%$889.20
Annual / periodic fees$0
Total yearly cost$889.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
212 documents filed by Synchrony Financial in the 2026 Q1 archive.
- ABT Credit Card Account Agreement and Pricing Addendum53 KB
- Adairs Credit Card Account Agreement and Pricing Addendum53 KB
- Adorama Credit Card Account Agreement and Pricing Addendum53 KB
- Amazon_Secured_Card_and_Prime_Secured_Card_Account_Agreement_and_Pricing_Addendum_FINAL70 KB
- Amazon.com_Store_Card_Account_Agreement_and_Pricing_Addendum_FINAL58 KB
- America's Tire Credit Card Agreement and Pricing Addendum53 KB
More from this issuer
Purchase APR
20.49–28.49%
Annual fee
$99
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $833.70 incl. $99 fee
Purchase APR
20.39–28.64%
Annual fee
$89
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $824.60 incl. $89 fee
Purchase APR
20.49–31.49%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $779.70