SuperMoney
  Stein Mart Platinum MasterCard®

Stein Mart Platinum MasterCard®

in Personal Credit Cards from Synchrony Bank

Claimed

Stein Mart Platinum MasterCard®

Claimed

in Personal Credit Cards from Synchrony Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend Stein Mart Platinum MasterCard® to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
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

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.

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 should probably try with another card if your credit score is below 700.
Stein Mart Platinum MasterCard® Pros & Cons
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

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.
Stein Mart Platinum MasterCard® Purchase Intro Offer
Description
Introductory Rate N/A
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®:

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 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:

  • 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 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.

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.

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
  • Non-Military
  • Veterans
  • Military Dependent
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
  • Experian
  • Equifax
  • TransUnion
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
Card Network Mastercard

Be the first to rate

 

Would you recommend Stein Mart Platinum MasterCard® to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Personal Credit Cards

Synchrony Bank Personal Credit Cards

Loading...