SYNOVUS REWARDS VISA� SUMMARY OF CREDIT TERMS
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases
APR for Balance Transfers and  Overdraft Protection Transactions
APR for Cash Advances
How to Avoid Paying Interest on Purchases
Minimum Interest Charge
For Credit Card Tips from the Consumer Financial Protection Bureau0.00% introductory APR for the first six (6) months.
After that, your
 APR will be: 9.24%, 12.24%, 15.24%, or 2 1.24% based on your
credit worthiness and other  factors.
This 
APR will vary with the
 market based on the Prime Rate.
0.00% introdu
ctory APR for the first six (6) months.  
After that, your
 APR will be: 9.24%, 12.24%, 15.24%, or 21.24%  based on your
credit worthiness and other
 factors.
This APR will 
vary with the market based on the Prime Rate.
24.24% (except on overdraf t protection  transactions)
 This APR will vary with the market based on the Prime Rate.
Your due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on purchases if you pay your entire balance by the due date of each month.
None
To learn more about factors to consider when applying for or using a credit card, visit the website  of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee
Transaction Fees� Cash Advance� Foreign Transaction
Penalty Fees�Late Payment� Returned PaymentNone
Either $10 or 4% of the amount of each cash advance, whichever is greater (except on overdraft protection transactions.)Either $15 or the amount of the overdraft protection transaction, whichever is less, on each overdraft protection transaction.3% of each transaction (includes transactions made in U.S. dollars and cross border transactions)
Up to $35Up to $25
How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).�
The variable APRs shown above are those in effect as of  March 31, 2020 . 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.
Balance transfers will be applied to your account and sent to your designated payee(s) no earlier than 10 days after your account is opened and we have mailed you the account opening 
disclosures. Until we have sent the balance transfer to your designated payee, you may cancel or modify your balance transfer request by calling the number on the back of your card.
3-31-20