Basic Information
Program ID: stein-mart-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier:
Data Complete: Yes
Created: 01/15/2026 13:39
Last Scraped: 01/15/2026 13:40
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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% |
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus 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.
Rewards Program
Reward Type: N/A - Card Discontinued
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus 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.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Card program discontinued.
Transfer Partners: N/A - Card program discontinued.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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).
Maximum Cards Per Issuer: 6
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy approval process, access to special financing offers and exclusive discounts at Stein Mart, helpful for building credit.
Top Negative Feedback:
High annual percentage rates, limited utility outside of Stein Mart, occasional customer service complaints, and sometimes lower credit limits.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0