9
Benefits4
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Hotels | 5x | Points | Eligible purchases at participating Stash Partner Hotels | No Cap | |
| Gas | 2x | Points | Eligible gas purchases | No Cap | |
| Dining | 2x | Points | Eligible restaurant purchases | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 3x
Categories: Eligible purchases at participating STASH Hotels
Quarterly Rotating: No
Expiration Policy: Points expire 24 months after account inactivity.
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 9 Total
PENDINGFinancial 1
No Annual Fee
No annual feeThe card does not charge an annual fee for card membership.
Rewards 5
Welcome Bonus Points
10,000 bonus pointsEarn 10,000 bonus Stash Points after spending $1,500 on eligible purchases within the first 90 days of account opening.
Accelerated Earnings at Stash Hotels
5 points per $1Earn 5 Stash Points for every $1 spent on eligible purchases at participating Stash Hotels.
Accelerated Earnings on Gas and Groceries
2 points per $1Earn 2 Stash Points for every $1 spent on eligible gas and grocery purchases.
Standard Earnings on All Other Purchases
1 point per $1Earn 1 Stash Point for every $1 spent on all other eligible purchases.
Stash Points Redemption for Free Nights
Free nightsRedeem accumulated Stash Points for free nights at participating Stash Hotels.
Security 2
Mastercard Zero Liability Protection
Full protection against unauthorized purchasesProtects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for unauthorized transactions.
Mastercard ID Theft Protection™
Identity theft monitoring and resolutionProvides services to help detect and resolve identity theft, including monitoring, alerts, and resolution assistance.
Travel 1
Mastercard Global Service™
Emergency assistance servicesProvides emergency assistance services anytime, anywhere, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Stash Hotel Rewards Mastercard typically offers a sign-up bonus (e.g., 25,000 Stash Points) after meeting a specified spending threshold within the initial months of account opening. Eligibility requirements for applicants include being at least 18 years of age (19 in AL/NE), a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria. Synchrony generally looks for fair to good credit scores (FICO 670+), though approvals can vary based on the overall credit profile and existing relationships with Synchrony. Too many recent credit inquiries or high existing Synchrony credit exposure may negatively impact approval.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not have specific 'card family' or 'cliff effect' rules similar to prime issuers (e.g., Chase 5/24). Eligibility for new Synchrony products is assessed on a per-application basis, considering the applicant's overall credit profile, existing Synchrony relationships, and total credit exposure with the issuer.
Special Events: The Stash Hotel Rewards program may offer seasonal promotions, bonus point opportunities for specific hotel bookings, or limited-time redemption offers. These events are typically announced directly by Stash Rewards or participating independent hotels.
Holiday Promos: While not a traditional retail store card, the Stash Hotel Rewards program may run promotions tied to major travel holidays (e.g., summer travel season, winter holidays) or specific booking periods to encourage hotel stays and card usage.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
No annual fee and no foreign transaction fees are great for travelers. Good for earning points at independent hotels. Sign-up bonus is valuable.
Top Negative:
Stash Hotel Rewards program can be niche/limited. Points value might not be as high as other programs. Customer service can be inconsistent (general Synchrony feedback).
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Capital One SavorOne
- Hilton Honors American Express Card (No Annual Fee)
Card Value Score: 70.0 / 100
Est. Annual Rewards: $126.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2024-03