Stash Hotel Rewards® World Mastercard®

Synchrony Mastercard World Pending

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20

Benefits

3

Reward Categories

3x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: stash-hotel-rewards-world-mastercard

Issuer: Synchrony

Card Name: Stash Hotel Rewards® World Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: World

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 09:21

Last Scraped: Feb 17, 2026 09:23

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Hotels	3x	Points	Eligible purchases at participating Stash Hotels	No Cap
Gas & Restaurants	2x	Points	Eligible gas and restaurant purchases	No Cap
All Other Purchases	1x	Points	All other eligible purchases	No Cap

Rewards Summary

PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Stash Partner Hotels, 2x Gas and Dining

Quarterly Rotating: No

Expiration Policy: Points expire after 24 months of inactivity.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 20 Total

PENDING

Financial 1

No Annual Fee

The credit card has no annual fee.

Lifestyle 1

Mastercard Concierge Service

24/7 personalized assistance

Provides personalized assistance for travel planning, dining reservations, event tickets, and more.

Purchase Protection 2

Purchase Protection

Up to $1,000 per claim, $50,000 per cardholder per year

Reimburses for eligible items that are stolen or damaged within a certain period (e.g., 90-120 days) of purchase when purchased with the card.

Extended Warranty

Up to $10,000 per claim, $50,000 per cardholder per year

Doubles the original manufacturer's or store brand warranty for eligible items purchased with the card, up to a maximum of one additional year.

Rewards 5

Stash Partner Hotel Rewards

3X points per $1

Earn 3 Stash Hotel Rewards points for every $1 spent on eligible purchases at participating Stash Partner Hotels.

Gas & Restaurant Rewards

2X points per $1

Earn 2 Stash Hotel Rewards points for every $1 spent on eligible gas and restaurant purchases.

Everyday Rewards

1X point per $1

Earn 1 Stash Hotel Rewards point for every $1 spent on all other eligible purchases.

Stash Point Redemption

Free nights

Redeem earned Stash Hotel Rewards points for free nights at participating Stash Partner Hotels.

Welcome Bonus Points

10,000 bonus points

Earn 10,000 bonus Stash Hotel Rewards points after spending $1,500 on eligible purchases within the first 90 days of account opening.

Security 2

Cell Phone Protection

Up to $600 per claim, 2 claims per 12-month period, $50 deductible

Reimburses cardholders for damage to or theft of an eligible cell phone. Requires paying the monthly cell phone bill with the card.

Mastercard ID Theft Protection™

Comprehensive service

Provides identity theft resolution services, including monitoring, alerts, and expert assistance.

Travel 1

Mastercard Travel & Lifestyle Services

Various discounts and upgrades

Access to a suite of travel benefits, upgrades, and experiences, including hotel benefits, car rental discounts, and curated experiences.

Travel Insurance 8

Mastercard Global Service™

24/7 global assistance

Provides emergency assistance services anywhere in the world, 24 hours a day, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.

Car Rental Collision Damage Waiver (MasterRental®)

Up to $50,000

Provides secondary coverage for physical damage and theft of most rental vehicles when the entire rental is paid for with the card and the rental company's CDW is declined.

Travel Accident Insurance

Up to $250,000

Provides coverage for accidental death or dismemberment while traveling on a common carrier when the entire fare is paid for with the card.

Baggage Delay Insurance

Up to $100 per day for 3 days

Reimburses for the purchase of essential items when checked baggage is delayed by a common carrier for a specified period.

Lost Luggage Insurance

Up to $3,000 per trip

Reimburses for the value of lost or stolen checked or carry-on luggage and its contents when traveling on a common carrier.

Trip Cancellation/Interruption Insurance

Up to $1,500 per trip

Reimburses for non-refundable travel expenses if a trip is cancelled or interrupted due to covered reasons when the trip is paid for with the card.

Trip Delay Insurance

Up to $300 per trip

Reimburses for reasonable additional expenses incurred when a common carrier trip is delayed for a covered reason for a specified duration.

Hotel/Motel Burglary Insurance

Up to $1,000 per occurrence

Reimburses for personal property stolen from a hotel or motel room when the stay is paid for with the card.

Benefits Summary (Flags)

PENDING

Extended 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 4% 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

PENDING

Standard APR

Purchase APR: 21.24% - 31.24%

Intro APR Offers

Intro Purchase APR: 0% for 6 months

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 739

Approval Odds

Good

Soft Pull Support

Not specified

Application Process

Prequalification

Not specified

Preapproval

Not specified

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: For 2026, new cardholders are typically eligible for a welcome bonus (e.g., X Stash Points) after meeting a specified spending threshold (e.g., $Y) within the first Z months of account opening. Eligibility requirements include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a good to excellent credit history. Synchrony generally restricts bonus eligibility to new cardholders who have not received a welcome bonus for this specific product within the last 24 months. The 'store-specific restrictions' mentioned are interpreted as referring to specific earning or redemption rules within the Stash Hotel Rewards program, such as blackout dates, participating hotel exclusions, or specific booking channels required to earn bonus points or utilize rewards.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit limit utilization across multiple Synchrony accounts, rapid application for numerous Synchrony cards within a short period, frequent balance transfers without substantial repayment, defaulting on payments, or suspicious account activity inconsistent with normal consumer behavior.

Cliff Effect Rules: Bonus eligibility for the 'stash-hotel-rewards-world-mastercard' is typically limited to new cardholders who have not received a welcome bonus for this specific product within the preceding 24 months. Synchrony generally does not impose complex 'card family' restrictions that would prevent eligibility based on holding other co-branded Synchrony cards.

Special Events: As a hotel rewards World Mastercard, 'StoreCardSpecialEvents' refers to Stash Hotel Rewards program-specific promotions. These may include bonus points for stays at select independent hotels, discounted redemption rates during off-peak seasons, exclusive member-only offers for booking through the Stash portal, or limited-time promotions tied to specific travel periods or hotel partners. These events are not tied to physical 'store' locations but rather to the rewards program's ecosystem.

Holiday Promos: Common promotional periods include Q4 (October-December) for holiday travel or gift card purchases, and Q1 (January-March) for post-holiday travel planning. Specific Stash Hotel Rewards promotions may align with peak travel seasons, major holidays, or specific hotel chain events to encourage bookings.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Users appreciate the no annual fee, decent welcome bonus, and strong earning rate (3x points) at participating Stash Partner Hotels. The 2x categories (gas, groceries, dining) are also seen as valuable for everyday spending.

Top Negative:
The primary drawback is the limited network of Stash Partner Hotels, making point redemption challenging for some users. There are also occasional complaints about Synchrony's customer service and the overall value of Stash points compared to major hotel loyalty programs.

Approval Experience: 70.0 / 100

Recommended Alternatives

Hilton Honors American Express Card
Chase Freedom Flex
Capital One SavorOne Cash Rewards

Card Value Score: 65.0 / 100

Est. Annual Rewards: $290.50

Approval Probability: 75.0%

Version Control

PENDING

Version ID: 2024-03-01

Last Updated: Mar 01, 2024 00:00