Stein Mart Credit Card

Synchrony Pending

Back Apply Now

0

Benefits

0

Reward Categories

—

Max Reward

—

APR From
Basic Information
PENDING

Program ID: stein-mart-credit-card

Issuer: Synchrony

Card Name: Stein Mart Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:39

Last Scraped: Feb 05, 2026 13:09

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony complies with SCRA, offering eligible active duty Servicemembers a 6% interest rate cap on accounts opened prior to active duty.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: N/A - Card Discontinued

Base Rate: 0x

Bonus Rate: 0x

Categories: The Stein Mart credit card program was discontinued following the company's liquidation in 2020. There are no active rewards for this card in 2026.

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: N/A - Card program discontinued.

Point Value: 0¢

Travel Portal Multiplier: 0x

Transfer Partners: N/A - Card program discontinued.

Redemption Penalties: N/A - Card program discontinued.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this 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
PENDING

$0

Cash Back

Requirement: Spend $0 in 0 days

Timing: The 'Stein Mart Credit Card' is no longer offered by Synchrony as Stein Mart ceased operations in 2020. Therefore, no sign-up bonus details are available for January 2026.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
No Interest Rate Data Available

Click "Get Data" button below to fetch interest rate information.

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility requirements for the Stein Mart Credit Card (Synchrony) in 2026 include being 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria (typically fair to good credit is sufficient for store cards). New cardholders receive a 15% discount on their first Stein Mart purchase made within 30 days of account opening. Ongoing benefits include exclusive cardholder discounts, early access to sales events, and special financing offers on qualifying purchases (e.g., 0% APR for 6 or 12 months on purchases over $299).

Max Cards Per Issuer: 6

Min Spend Interval: 30 days for initial purchase discount; specific promotional financing offers have their own terms.

Shutdown Risk Triggers: Excessive credit limit utilization across Synchrony accounts, repeated late payments, defaulting on other Synchrony accounts, suspected fraudulent activity, or prolonged inactivity on the card.

Cliff Effect Rules: Store cards typically do not have complex 'card family' or 'cliff effect' rules like premium travel cards. Benefits are tied directly to the individual card and its associated store. If the Stein Mart brand were to cease operations, the card program would likely be closed or converted, rather than impacting other Synchrony cards.

Special Events: Exclusive cardholder shopping days, birthday discounts, loyalty tier bonuses, and special product launch events.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, Back-to-School, and seasonal clearance events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval process, access to special financing offers and exclusive discounts at Stein Mart, helpful for building credit.

Top Negative:
High annual percentage rates, limited utility outside of Stein Mart, occasional customer service complaints, and sometimes lower credit limits.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Card
  • Amazon Store Card
  • Discover it Secured Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0