Understanding Credit Care: Key Terms and Disclosures

Offers are subject to credit approval. Minimum monthly payments are required for all credit products. It’s important to understand that credit offers cannot be combined, ensuring clarity and fairness in all transactions.

Other offers may be available that do not necessitate the use of a credit product issued by Synchrony Bank. These alternative options are presented for your convenience. However, it is crucial to note that Synchrony Bank does not make any representations or warranties regarding these external offers. Furthermore, Synchrony Bank is not responsible for these offers, the associated products, their fulfillment, or the related customer service. Customers should exercise due diligence and read the terms and conditions associated with these non-Synchrony Bank offers carefully.

Disclosures:

Annual Percentage Yield (APY): It is important to be aware that all Annual Percentage Yields (APYs) are accurate as of the specified date and are subject to change without prior notice. These offers are applicable to personal accounts only. Please be mindful that specific service charges may reduce overall earnings. For High Yield Savings Accounts, the interest rate may fluctuate after the account has been opened. In the case of CD accounts, early withdrawals may incur penalties. Upon maturity, if a CD account rolls over, the interest rate earned will be the offered rate in effect at that time.

National Average: National Average APYs are calculated based on specific product types from the top 50 U.S. banks, ranked by total deposits, as provided by Curinos LLC as of February 3, 2025. High Yield Savings Rates: Average APYs are based on High Yield Savings Accounts with a balance of $10,000. It should be noted that Curinos data is obtained from public sources, and therefore, accuracy and completeness are not guaranteed. Curinos disclaims any liability for reliance on this data.

FDIC Insurance: Deposits are insured by the FDIC up to $250,000 per depositor, per insured bank, for each ownership category. This provides a layer of security and trust for your funds.

Offers are subject to credit approval. To earn points, it is necessary to have a valid ScoreCard account. Please note that there is a limit of one offer per account. The Bonus Reward will be issued within 60 days after opening a qualifying account. Applicants who do not receive an immediate credit decision by the offer end date, but are subsequently approved, will still receive a $30 Bonus Reward in their card package. For comprehensive details on earning and redeeming Points and Rewards, please refer to DICKS.com/ScoreCardTerms in the application.

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