A novel variational model is developed that can predict the stress transfer between plies in cracked general cross-ply laminates subject to general in-plane (Nxx, Nyy, Nxy) and out-of-plane bending (Mxx, Myy, Mxy) loading. The effects of thermal residual stresses are taken into account. Admissible stress systems, which satisfy equilibrium and all boundary and interface conditions, are constructed and the principle of minimum complementary energy is employed to find the optimal solution. The approach yields rigorous lower bounds for stiffness matrices. A methodology based on Levin's theorem is developed to evaluate the effective thermal expansion coefficients of non-symmetric cracked laminates. A ply-refinement technique is used in order that through-thickness variations of the stress components can be precisely taken into account. It is found that the developed method, when used in conjunction with ply refinement technique, results in stress fields and thermo-mechanical properties comparable in accuracy to refined finite and boundary element solutions.