Customer to Retain for Personal Records
SYNOVUS BUSINESS TRAVEL REWARDS VISA CREDIT CARD SUMMARY OF CREDIT TERMS

Annual Percentage Rate (APR) for Purchases

Other APRs

Variable Rate Information

Grace Period for Repayment of Purchase 
Balances

0.00% introductory APR for the first six (6) months. After that, a regular APR of:  11.49%, 
14.49%, 17.49%, or 23.49% based on your credit worthiness and other factors. This 
APR will vary with the market based on the Prime Rate.

Balance Transfer APR*: 0.00% introductory APR for the first six (6) months. After that, a
regular APR of: 11.49%, 14.49%, 17.49%, or 23.49%**

Cash Advance APR 26.49% (except for overdraft protection transactions and any promotional 
check transactions for which the promotional period has expired or terminated early, for which 

the APR is the same as that of balance transfers)
Your APR for purchases, balance transfers and cash advances may vary. The regular APR for 
purchases and balance transfers is determined each billing cycle by adding a margin of 5.99%, 
8.99%, 11.99% or 17.99% (which corresponds, respectively, to the 11.49%, 14.49%, 17.49%, or 
23.49%** APRs shown above) to the Prime Rate, and for cash advances by adding a margin of 
20.99% (which corresponds, respectively, to the 26.49% APR shown above) to the Prime Rate***

You will have at least a 20-day grace period to repay the New Balance (if any) shown on your 
statement for any Billing Cycle to avoid incurring an additional finance charges on purchases. No 
grace period is given on cash advances or balance transfers.

The Method of Computing the Balance for 
Purchases

Average Daily Balance (including new purchases)

Annual Fee

$0 introductory Annual Fee for one year.
After that, $50.

Minimum Interest Charge

$1.00

Transaction Fee for Purchases

Transaction Fee for Cash Advances

None
4% of the cash advance with a $10 minimum

Transaction Fee for Overdraft Protection

3% of the Overdraft with a $5 minimum

Balance Transfer Fee

Late Payment Fee

None

Balances less that or equal to $100=$15; balances between $100.01 and $500=$29; balances
greater than $500=$39

Overlimit Fee

International Transaction Fee

$29

None

*If we fail to receive your Minimum Payment by the Payment Due Date during the introductory period, your introductory rate will terminate and the applicable regular rate will apply,
beginning on the first day of the first Billing Cycle, which begins following such failure.

**Your regular APR for purchases and balance transfers is based on our evaluation of your income and credit information at the time you apply, and it will be the same for purchases and 
for balance transfers.

***The Prime Rate used is the highest Prime Rate published in The Wall Street Journal on either (a) the first calendar month in which the Billing Cycle begins (or if not published on that 
day, on the date of its next publication following that date), or (B) the last day of the calendar month in which the Billing Cycle begins (or if not published on that day, on the date of its next 
publication following that date), whichever produces the higher Prime Rate. 

†Introductory APR available only on Balance Transfers from other financial institutions.  A balance transfer from a credit card issued through Synovus Bank is not eligible for the  
introductory APR.

The variable APRs shown above are those in effect as of December 31, 2018. This information may have changed after that date. To find out what may have changed, please call us at 
1-888-SYNOVUS (796-6887) or write to us at Card Services, 1111 Bay Avenue, Columbus, Georgia 31901.

12-31-18