Synchrony Pending

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Benefits

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Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: stein-mart-mastercard

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 09:27

Last Scraped: Feb 17, 2026 09:28

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed)
No Card Benefits Available

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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

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Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
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
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: As of 2026, the Stein Mart Mastercard program is defunct due to Stein Mart's liquidation in 2020. Therefore, no new applications are being accepted, and existing accounts would have been closed or converted. However, *hypothetically*, if the program were active, Synchrony's application rules would typically require applicants to be 18 years or older, a U.S. resident with a valid Social Security Number or ITIN, and possess a good to excellent credit history for the Mastercard version. Initial bonus offers, if any, would likely be a percentage discount on the first purchase (e.g., 15-20% off) or a deferred interest promotion on larger purchases, common for Synchrony retail cards.

Max Cards Per Issuer: 5

Min Spend Interval: 3-6 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive credit seeking (multiple applications in a short period), prolonged inactivity on accounts, missed payments, abuse of promotional offers (e.g., deferred interest), or significant derogatory changes to credit profile (e.g., bankruptcy, charge-offs).

Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' or 'once-per-lifetime' bonus rules like some other issuers. However, they closely monitor total credit exposure across all Synchrony accounts. Reaching a high cumulative credit limit (often exceeding $25,000-$50,000 depending on credit profile) can lead to denials for new applications, credit limit reductions on existing cards, or even account closures if deemed too risky. There are no specific 'cliff' rules tied to specific card products, but rather to the overall relationship with Synchrony and their internal risk assessment.

Special Events: Hypothetically, if the Stein Mart Mastercard were active, it would likely feature cardholder-exclusive discounts during seasonal sales (e.g., Spring/Summer/Fall collections), special 'Friends & Family' events, and bonus rewards days for in-store purchases, often tied to specific product categories or spending thresholds.

Holiday Promos: Hypothetically, if active, the card would align with major retail holiday periods such as Black Friday, Cyber Monday, Christmas/Holiday Season, Memorial Day, Labor Day, and other national sales events, often offering enhanced rewards, deferred interest promotions, or special financing options.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Historically offered good discounts at Stein Mart; relatively easy to get approved for those building credit.

Top Negative:
High interest rates; card became largely useless after Stein Mart closed; limited rewards outside the store.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash Card
  • Discover it Cash Back

Card Value Score: 25.0 / 100

Est. Annual Rewards: $15.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0