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  Stein Mart Platinum MasterCard®

Stein Mart Platinum MasterCard®

in Personal Credit Cards from Synchrony Bank

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Stein Mart Platinum MasterCard®

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in Personal Credit Cards from Synchrony Bank

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Highlights
Purchase APR  (Variable APR) 29.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850
Annual Fee N/A

Stein Mart Platinum MasterCard® Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 will have low approval odds if your credit score is below 700.
Pros & Cons of Stein Mart Platinum MasterCard®
The Good The Bad
  • Save 10% on your first online purchase with a Stein Mart credit card
  • 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 2 reward point for every $1 spent in-store and online at Stein Mart and earn 1 reward point for every $1 spent everywhere else Mastercard® is accepted
  • Stein Mart Platinum MasterCard® reports to multiple credit bureaus.
  • High interest rates.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Stein Mart Platinum MasterCard® FAQ

Does Stein Mart Platinum MasterCard® have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Stein Mart Platinum MasterCard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Stein Mart Platinum MasterCard® have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Stein Mart Platinum MasterCard®?

The following fees apply:

Stein Mart Platinum MasterCard® Fees
Fees Amount
Annual Fee
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 foreign transaction fees.

What is the customer service phone number for Stein Mart Platinum MasterCard®?

The Stein Mart Platinum MasterCard® customer service number is (866) 226-5638.

What is the support contact email for Stein Mart Platinum MasterCard®?

The support contact email for Stein Mart Platinum MasterCard® is < a href="mailto:andrewmarklatahm@gmail.com">customer.service@mail.synchronybank.com< /a>.

Does Stein Mart Platinum MasterCard® report your account activity to credit bureaus?

Yes, Stein Mart Platinum MasterCard® reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Cash Advance APR (Variable APR) Up to 28.99%
Purchase APR (Variable APR) 29.24%
Card Type
  • Store Card
Card Network Mastercard

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