|Purchase APR (Variable APR)||29.24%|
|Balance Transfer APR (Variable APR)||N/A|
|Credit Score Range||700 - 850|
Stein Mart Platinum MasterCard® Review
Stein Mart Platinum MasterCard® is a store credit card issued by Synchrony Bank. If you're wondering whether Stein Mart Platinum MasterCard® is the right card for you, read on. This is everything you need to know to make a good choice.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.24%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
|The Good||The Bad|
Is there a Stein Mart Platinum MasterCard® cash back or rewards program?
No, Stein Mart Platinum MasterCard® does not offer a rewards program.
What are the relevant APRs for Stein Mart Platinum MasterCard®?According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Stein Mart Platinum MasterCard® has higher than average purchase APRs.
Stein Mart Platinum MasterCard® has a variable purchase APR of 29.24%. The card has a variable cash advance APR of up to 28.99%.
Does Stein Mart Platinum MasterCard® have an introductory APR offer on balance transfers?No, Stein Mart Platinum MasterCard® does not come with an introductory APR offer for balance transfers.
Does Stein Mart Platinum MasterCard® have an introductory APR offer on new purchases?Stein Mart Platinum MasterCard® does not offer an introductory rate on new purchases.
|Purchase Intro APR Period (months)||N/A|
What are the fees for Stein Mart Platinum MasterCard®?
The following fees apply to Stein Mart Platinum MasterCard®:
|Foreign Transaction Fee||3%|
|Late Payment Fee||up to $38|
Does Stein Mart Platinum MasterCard® have a foreign transaction fee?Stein Mart Platinum MasterCard® charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.
Does Stein Mart Platinum MasterCard® report your account activity to credit bureaus?
Stein Mart Platinum MasterCard® reports your account activity to the following credit reporting agencies:
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.
How to apply for Stein Mart Platinum MasterCard®
- Visit the Stein Mart Platinum MasterCard® website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Other Services by Synchrony Bank
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|No Interest Grace Period for Late Payment||23 days|
|Cash Advance Fee Minimum||$10|
|Cash Advance Fee (%)||4%|
|Foreign Currency Transaction Fee||3%|
|Minimum Interest Charge||$2|
|Late Fee Amount||Up to $38|
|Employment Statuses Considered||
|Immigration Status Considered||
|Credit Score Range||
700 - 850
|Credit Bureau Reporting||
|Bonus Rewards||- Earn Reward Certificates and use them just like cash in Stein Mart stores! - Receive a $10 Welcome Reward Certificate* just for opening a credit card. Certificate will be included with your new credit card by mail. - Earn 1 reward point for every $1 spent in-store and online at Stein Mart - Earn 1 reward point for every $1 spent everywhere else Mastercard® is accepted - Exclusive Extra Savings Events - Advance notice of sale events with an email address on file - A special birthday gift - Spend $500 per year and get upgraded to ELITE status|
|Cash Advance APR (Variable APR)||Up to 28.99%|
|Purchase APR (Variable APR)||29.24%|
|Card Type||Store Card|
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