Understanding the Updates to Your Personal Cardholder Agreement & Rewards Program Rules

Card Agreements Highlights

  • We’ve made general updates throughout the documents to make them clearer.
  • We’ve included more information on the Visa Account Updater and how it works, Your Credit Limit, and authorizations.
  • We’ve clarified how we handle balance transfers:

    Balance Transfer(s) do not earn rewards under reward programs. The minimum amount of a Balance Transfer is $100. We will only approve Balance Transfer amounts that are at least $200 under your Credit Limit. For example, if your Credit Limit is $2,000, we will only approve a Balance Transfer of $1,800 or less.

  • We’ve added information on our new FICO® Score option1. Primary personal cardholders will be able to opt in/out to receive their FICO® score each month. The primary customer will be able to call 1-888-SYNOVUS to opt in for the service on or after April 6, and his/her monthly score will display on the monthly statement.
  • We’ve provided more explanation on the Posting of Payments:

    Overdraft Protection will allow you to go up to your available limit. Any amount over the limit will also be included in your minimum payment.

    This is a quick review of the way we assess interest and apply grace periods. See the Cardholder Agreement for more details as it relates to transaction types.

Transaction Type Grace
Period
No Grace
Period
Purchase
APR2
Cash
APR
Intro
Rate
Promo
APR
Purchase grace period is applied to purchase transactions purchase APR is applied to purchase transactions intro rate is applied to purchase transactions
Balance Transfer grace period is applied to balance transfer transactions purchase APR is applied to balance transfer transactions intro rate is applied to balance transfer transactions
Overdraft Protection grace period is applied to overdraft protection transactions purchase APR is applied to overdraft protection transactions intro rate is applied to overdraft protection transactions
Cash Advance no grace period is applied to cash advance transactions cash APR is applied to cash advance transactions
Promotional Check no grace period is applied to promotional check transactions purchase APR is applied to promotional check transactions
Expired Promotional Check no grace period is applied to expired promotional check transactions cash APR is applied to expired promotional check transactions
Convenience Check no grace period is applied to convenience check transactions cash APR is applied to convenience check transactions
Promotional Check/Balance Transfer no grace period is applied to promotional check/balance transfer transactions purchase APR is applied to promotional check/balance transfer transactions promo APR is applied to promotional check/balance transfer transactions

Download the newest Personal Cardholder Agreement.

Program Rules for Cash Rewards:

  • Per the new rules that go into effect in April 2020, Cash Rewards will no longer expire. (Please be sure to redeem any rewards that expire on or before March 31, 2020, prior to their expiration)
  • The rules include information on a new option to transfer points to another Synovus Credit Card Customer.
  • We’ve included basic information on a new digital experience coming later this spring that will make it easier for you to access your rewards information online. More communications will be sent as the launch date of this new experience gets closer.

Download the Rules for Cash Rewards.

Program Rules for Rewards and Travel Rewards:

  • Per the new rules that go into effect in April 2020, points will no longer expire. (Please be sure to redeem any points that expire on or before March 31, 2020 prior to their expiration.)
  • The rules include information on a new option to transfer points to another Synovus Credit Card Customer.
  • We’ve included basic information on a new digital experience coming later this spring that will make it easier for you to access your rewards information online. More communications will be sent as the launch date of this new experience gets closer.

Download the Program Rules for Rewards and Travel Reward.

Important disclosure information

  1. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Learn more about FICO scores. Back
  2. Purchase APR goes into effect once the intro/promotional APR expires. Back