9
Benefits3
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: stash-hotel-rewards-visa-card
Issuer: Synchrony
Card Name: Stash Hotel Rewards Visa Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank offers benefits to covered military members and their dependents under the Servicemembers Civil Relief Act (SCRA). For more information, call 1-866-893-7864.
Rewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Hotels | 3x | Points | Eligible purchases at participating Stash Hotels | No Cap | |
| Dining | 2x | Points | Eligible purchases at restaurants | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 9 Total
PENDINGAccount Management 1
Online Account Management
Manage your account, view statements, and make payments online.
Financial 2
No Annual Fee
No annual feeThe card has no annual fee.
No Foreign Transaction Fees
No foreign transaction feesThere are no foreign transaction fees on purchases made outside the United States.
Lifestyle 1
Digital Wallet Compatibility
The card is compatible with digital wallets for convenient and secure payments.
Rewards 3
Stash Points Earning - Partner Hotels
3 points per $1Earn 3 Stash Points for every $1 spent on eligible purchases at participating Stash Partner Hotels.
Stash Points Earning - Gas & Dining
2 points per $1Earn 2 Stash Points for every $1 spent on eligible purchases at gas stations and restaurants.
Stash Points Earning - Everyday Spend
1 point per $1Earn 1 Stash Point for every $1 spent on all other eligible purchases.
Security 1
Fraud Protection
Provides protection against unauthorized charges.
Welcome Bonus 1
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.
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: | $85.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $85.00 |
| Authorized User Fee: | $0.00 |
| 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 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% - 30.24%
Balance Transfer APR: 30.24%
Cash Advance APR: 31.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Stash Hotel Rewards Visa Card requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate a good to excellent credit history, subject to Synchrony Bank's comprehensive credit underwriting standards. New cardholders are typically eligible for a one-time sign-up bonus (e.g., Stash Points) after meeting a specified spending threshold within the initial months of account opening. This bonus is generally not available to individuals who have previously held the Stash Hotel Rewards Visa Card or received a similar bonus within a defined period (e.g., 24 months).
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony Bank does not typically enforce strict 'card family' rules that directly prevent bonus eligibility based on other Synchrony cards. However, approval for new cards and credit limits are subject to an overall assessment of the applicant's credit exposure with Synchrony Bank. Holding multiple Synchrony cards with high credit limits may impact approval for additional credit or lead to credit limit reductions on existing accounts. Bonus eligibility is generally tied to the specific card product and whether the applicant has previously received a bonus for that exact card.
Special Events: As a Stash Hotel Rewards Visa Card, special events would primarily revolve around the Stash Rewards loyalty program. This includes exclusive member promotions, bonus point offers for stays at participating hotels, and unique experiences or discounts tied to the Stash Rewards network that the card could enhance with additional earning opportunities or benefits.
Holiday Promos: The Stash Hotel Rewards program may offer enhanced earning rates, redemption deals, or special travel packages during peak travel seasons or major holidays (e.g., summer travel, winter holidays, Black Friday/Cyber Monday for travel bookings). The card could provide additional incentives or bonus points during these specific promotional periods.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
No annual fee, valuable bonus points for first purchase, no foreign transaction fees, and accelerated earnings on travel, gas, and dining.
Top Negative:
Niche hotel network, points may have limited flexibility, and the bonus is relatively low compared to other travel cards.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- Hilton Honors American Express Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $198.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0