Synchrony Project Card

ANNUAL PERCENTAGE YIELD (APY): All APYs are accurate as of .

APYs are subject to change at any time without notice. Offers apply to personal accounts only. Charges for specific services may reduce earnings. For High Yield Savings Accounts, the rate may change after the account is opened.

NATIONAL AVERAGE: National Average APYs are based on specific product types of top 50 U.S. banks (ranked by total deposits) provided by Curinos LLC through 10/01/2025. High Yield Savings Rates: Average APYs are based on High Yield Savings Accounts of $10,000. Curinos data is obtained from public sources; accuracy and completeness is not guaranteed. Curinos is not liable for reliance on the data.

FDIC INSURANCE: up to $250,000 per depositor, per insured bank, for each ownership category.

*See Venmo Credit Card Rewards Program Terms. Use of cash back is subject to the terms of the Venmo User Agreement. **See Terms & Rates for New Accounts. ***Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. You must have a Venmo account in good standing, that has been open for at least 30 days prior to application. An approved Venmo Credit Card application will result in a hard credit inquiry, which may impact your credit score.

*Not available on all devices. For a list of compatible devices visit apple.com/apple-pay. The “Add Card to Wallet” URL only works on compatible iOS devices. For a list, see support.apple.com/km207105. This functionality does not apply to Lowe’s Advantage Card. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services, LLC is a bank. Any card used in Apple Pay is offered by the card issuer. The Contactless Indicator mark and the Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.

*NO PURCHASE NECESSARY. A purchase will not increase your chances of winning. Legal residents of the 50 U.S. (including D.C., and other US territories), 18+ who have a Synchrony Outdoors credit card; Synchrony Sport credit card; Cutting Edge credit card; Synchrony Music & Sound credit card; Synchrony Sewing & More credit card; Synchrony Car Care; Synchrony HOME credit card; and/or Synchrony Luxury credit card as of 7/28/2025. Void where prohibited. Promotion starts 8/4/2025 and ends 9/7/2025. Sweepstakes Grand Prize and Weekly Prizes awarded in the form of a check. Bonus $5,000 check awarded if you win the Grand Prize and have a High-Yield Savings Account with Synchrony Bank or applied for one during the Promotion Period. For Official Rules including odds, free method of entry, and prize descriptions visit Liveyourbestlifesweepstakes.com. Sponsor: Synchrony Bank, 170 Election Road, Draper, UT 84020.

*Subject to credit approval.
†NO PURCHASE NECESSARY. A purchase will not increase your chances of winning. For legal residents of the 50 U.S. and U.S. Territories (including D.C.), 18+ who have a CareCredit credit card as of 9/2/2025. Void where prohibited. Promotion starts 9/10/2025 and ends 10/31/2025. Sweepstakes Grand Prize and weekly prizes are awarded in the form of a check. For Official Rules including odds, free method of entry, and prize descriptions visit carecredit.com/LetsGetDigital. Sponsor: Synchrony Bank, 170 West Election Road, Draper, UT 84020.

*Subject to credit approval. Minimum monthly payments required. Gas station purchases are not eligible for Promotional Financing. For Promotional Financing details click here.

^TERMS AND CONDITIONS OF OFFER: Offer available 7/30/25-1/27/26 at participating Mattress Firm stores, special events, online via chat or by phone . Subject to credit approval. 3% back on net purchases (purchases minus returns and adjustments) will be paid in the form of a Synchrony Visa Prepaid Card by mail or email after the following offer requirements are satisfied: (1) you make a qualifying purchase on a Mattress Firm or Synchrony HOME credit card, (2) the qualifying purchase is delivered, and (3) you submit the requested rebate information and documentation. Rebate form must be submitted online or by mail postmarked by 2/27/26. Qualifying purchase amount must be on one receipt. One rebate per qualifying purchase. Maximum rebate of $500 per customer. The Visa Prepaid Card will be sent to your U.S. mailing address or email address within 8 weeks after all the offer requirements are satisfied. If the Visa Prepaid Card is not received within this timeframe, call 1 (866) 415-6540 or visit mattressfirmpromotions.com to inquire about status. If the Visa Prepaid Card is not received, you must inquire no later than 5/12/26 or all rights hereunder will expire. This offer is void where prohibited. Synchrony Bank is not responsible for lost, damaged, illegible, postage due or delayed mail. The Visa Prepaid card cannot be used to make payments on the Mattress Firm Credit Card.

Use your Visa Prepaid Card wherever Visa debit cards are accepted in the U.S. The card may not be used at any merchant, including internet and mail or telephone order merchants, outside of the U.S. Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. This is not a gift card or gift certificate. You have received this card as a gratuity without the payment of any monetary value or consideration. The funds associated to your Prepaid Card expire 6 months from date of issue and is stated on the card front. After the expiration date, you will not be able to use this Card, and any remaining Card funds will revert and be returned to the promotional provider. Card terms and conditions apply. The Mattress Firm credit card is not a Bancorp product or service, nor does Bancorp endorse this offer.

†No Interest If Paid In Full Within 6, 12 or 24 Months on qualifying purchases with your Mattress Firm or Synchrony HOME credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6, 12 or 24 months. Minimum monthly payments required. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer subject to change.

Legal: *Subject to credit approval.

*NO PURCHASE NECESSARY. Legal residents of the 50 U.S. (including D.C., and other U.S. territories). 18+. Void where prohibited. Enter by 10/31/2025. For Official Rules including prize description visit synchronyfomo.com. Sponsor: Synchrony Bank.

†Subject to credit approval. Promo Financing: Minimum monthly payments required. See dealer for details and additional financing offers.