16
Benefits4
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: stash-hotel-rewards-visa-signature-card
Issuer: Synchrony
Card Name: Stash Hotel Rewards Visa Signature® Card
Card Type: Credit
Network: Visa
Card Tier: Signature
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank supports military personnel and families. Eligible active duty Servicemembers may qualify for benefits under the Servicemembers Civil Relief Act (SCRA). To learn more, please call 1-855-367-4541.
Rewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Hotels | 3x | Points | Eligible purchases at participating Stash 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: 3x Stash Partner Hotels, 2x Gas, 2x Dining
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as your Stash Hotel Rewards account remains open and in good standing.
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 16 Total
PENDINGFinancial 2
No Annual Fee
No annual feeThe card does not charge an annual fee.
No Foreign Transaction Fees
No foreign transaction feesNo fees are charged on purchases made outside of the United States.
Lifestyle 1
Visa Signature Concierge
24/7 personalized assistanceEnjoy complimentary 24/7 personalized assistance for travel planning, dining reservations, event tickets, and more.
Purchase Protection 2
Purchase Security
90 days coverageCovers eligible new purchases made with your Visa Signature card for 90 days from the date of purchase against theft, damage, or inadvertent loss. Coverage is secondary to other applicable insurance.
Extended Warranty Protection
Up to 1 additional yearExtends the manufacturer’s original U.S. warranty by up to one additional year on eligible items purchased with your Visa Signature card. Applicable for warranties of three years or less.
Rewards 3
Stash Hotel Rewards Earning Rate
3X points per $1Earn 3 Stash Hotel Rewards points for every $1 spent at participating Stash Hotels when using the card.
Gas and Dining Earning Rate
2X points per $1Earn 2 Stash Hotel Rewards points for every $1 spent on eligible gas and dining purchases.
General Purchase Earning Rate
1X point per $1Earn 1 Stash Hotel Rewards point for every $1 spent on all other eligible purchases.
Security 3
Lost/Stolen Card Reporting
Assistance with replacementProvides assistance with reporting a lost or stolen card and arranging for a replacement card and/or emergency cash.
Emergency Cash Disbursement
Expedited cashIf your card is lost or stolen, you can get emergency cash delivered to you, typically within hours.
Emergency Card Replacement
Expedited replacementIf your card is lost or stolen, you can get a replacement card typically within 1 to 3 business days.
Shopping 1
Visa Signature Discounts and Offers
Exclusive discountsAccess to exclusive discounts and special offers on travel, entertainment, dining, and shopping from participating merchants.
Travel Assistance 2
Travel and Emergency Assistance Services
24/7 assistanceConnects you with appropriate local emergency resources available 24 hours a day, 365 days a year. Services include medical referral, legal referral, emergency transportation assistance, emergency message service, and lost luggage locator service. Cardholders are responsible for the cost of any services received.
Roadside Dispatch
Pay-per-use serviceA pay-per-use roadside assistance program. Simply call 1-800-VISA-TOW (1-800-847-2869) and a dispatch specialist will send help to your location. Services include standard towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Fees apply per service call.
Travel Benefits 1
Visa Signature Luxury Hotel Collection
Various hotel perksAccess to a curated collection of over 900 prestigious properties worldwide, offering premium benefits like best available rate guarantee, automatic room upgrade upon arrival (when available), complimentary in-room Wi-Fi (when available), complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).
Travel Insurance 1
Auto Rental Collision Damage Waiver
Secondary coverageProvides secondary coverage for damage due to collision or theft for most rental cars when you pay for the entire rental transaction with your eligible Visa Signature card and decline the rental company’s collision damage waiver (CDW) or similar provision.
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
PENDING10,000
Points/MilesRequirement: Spend $1,500 in 90 days
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual 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 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: Eligibility for the Stash Hotel Rewards Visa Signature Card typically requires applicants to be at least 18 years old, a U.S. resident, and possess good to excellent credit (generally a FICO score of 670+). A stable income sufficient to meet credit obligations is also necessary. Synchrony Bank will review your credit history, existing credit relationships, and debt-to-income ratio. The standard sign-up bonus often involves earning a specific number of Stash points (e.g., 25,000 points) after meeting a minimum spending requirement within the initial months of account opening. Synchrony reserves the right to deny applications based on their internal credit policies, including excessive recent applications or high cumulative credit exposure with the bank.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony Bank does not have a publicly stated '5/24' or 'once per lifetime' rule like some other issuers. However, they do consider your overall credit relationship with them. Applying for multiple Synchrony cards in a short period, or having a high total credit limit across all your Synchrony accounts relative to your income, can lead to application denials or account reviews/shutdowns. They assess total credit exposure and recent application velocity.
Special Events: N/A (This is a general travel rewards card, not a store-specific co-branded card tied to retail events.)
Holiday Promos: N/A (Promotions are generally tied to Stash Hotel Rewards program or Visa benefits, not specific holiday retail periods.)
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
No annual fee is a significant benefit, great for earning free nights at unique boutique hotels, easy point redemption with no blackout dates.
Top Negative:
Limited hotel selection compared to major chains, point value can vary, not ideal for those who don't frequently stay at Stash hotels.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Capital One SavorOne Rewards Credit Card
- Wells Fargo Autograph Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $189.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2024-01-01