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Important disclosure information

Credit cards are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts.

All credit cards are subject to credit approval.

  1. Personal/Consumer Credit Cards: On purchases, balance transfers and overdraft protection transactions, a 0% introductory APR for the first 12 months from account opening and after that a variable APR of 7.24% – 21.24% (as of December 1, 2020), based on the Prime Rate, your creditworthiness and other factors. On Cash Advances (except overdraft protection transactions), a variable APR of 25.74% (as of December 1, 2020). The Cash Advance transaction fee is 4% of the cash advance ($10 minimum), except on overdraft protection transactions, for which on consumer cards is either $15 or the amount of the overdraft protection transaction, whichever is less. The foreign transaction fee for the Classic and Rewards credit cards is 3% of the transaction (including transactions made in U.S. dollars and cross border transactions). See Rates and Fees and Cardholder Agreement for Consumer. Back
  2. Business Credit Cards: On purchases, balance transfers and overdraft protection transactions, a 0% introductory APR for the first 12 months from account opening and after that a variable APR of 7.24% – 21.24% (as of December 1, 2020), based on the Prime Rate, your creditworthiness and other factors. On Cash Advances (except overdraft protection transactions), a variable APR of 25.74% (as of December 1, 2020). The Cash Advance transaction fee is 4% of the cash advance ($10 minimum), except on overdraft protection transactions, for which on business cards is 3% of the amount of the overdraft protection transaction with a minimum of $5. The foreign transaction fee for Business and Business Rewards credit cards is 3% of the transaction (including transactions made in U.S. dollars and cross border transactions).See Rates and Fees and Cardholder Agreement for Business. Back
  3. The service marks and trademarks used herein belong to their respective owners. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Back
  4. Rewards can only be earned and redeemed when the account is active and in good standing. Back
  5. Eligible purchases (net spend) are defined as total purchases less returns and merchant credits. Eligible purchases also do not include fees, interest, purchases of Travelers Checks, purchases of or loading of any prepaid card, purchases of foreign currency, balance transfers, promotional or convenience checks or other purchases or cash equivalents or using the card for any purchase made on our rewards platform. Back
  6. Your Dynamic Earn category will default to gas purchases. You can change your Dynamic Earn category up until the last day of the current quarter for the following quarter by logging on synovus.com (business) or My Synovus (personal). Back
  7. Rewards points may be redeemed through the redemption category Pay Me Back for transactions that have posted to your account in the past 90 days. Pay Me Back is valid for up to three (3) transactions totaling a minimum of $25. The statement credit applies toward the balance and does not replace the monthly payment. Therefore it does not dismiss the payment due for the billing cycle. Back

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