WalletHub Rating
3.1/5
Stein Mart Credit Card has a rating of 3.1/5 according to our proprietary credit card rating system. This rating reflects how appealing Stein Mart Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Stein Mart Credit Card earned a score of 5.0/5 for Fees, 2.1/5 for Rewards, and 2.9/5 for Cost.
WalletHub Rating Breakdown
Editor’s Review
4.5/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
2.9
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
2.1
Cost
2.9
Other Features
0.0
2.9/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
26.99% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get 10% off on your first online purchase. Plus, get a $5 Stein Mart reward certificate with your new credit card in the mail.
Earn 2 points per dollar on purchases made in-store or online at Stein Mart and 1 point per dollar everywhere else Mastercard® is accepted.
For every 500 reward points earned, cardholders will receive a $5 reward certificate.
Bonus Points Days and Exclusive Shopping Events.
Reach Elite Status by spending at least $500/year at Stein Mart store locations or steinmart.com and you will earn 4 points per dollar on purchases made in-store or online at Stein Mart.
Points expire if you do not make a purchase on their Stein Mart Credit Card in any consecutive 18 month period.
Stein Mart Credit Card's Additional Info
Online account management.
Get advance email notification of sales events.
Hassle-free returns.
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Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
May 22nd, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Stein Mart Credit Card Pros & Cons
No membership fees
High rewards rate
10% discount + $5 initial rewards bonus
Spending caps on rewards
No intro APR on purchases
No balance transfers allowed
Foreign fee
Stein Mart Credit Card Review
4.5 / 5
- 10% off your first purchase. It’s certainly not the biggest first-purchase discount available from a retailer-affiliated credit card. But the 10% that you’ll save on the first Stein Mart purchase that you make with the Stein Mart Card can still save you a bundle. And if you’re going to shop at Stein Mart anyway, why not save as much as possible in the process?
- Extra savingsper year. Savings start with your first purchase, but they certainly don’t end there. In fact, you’ll receive Elite Status for spending at least $500 per year at Stein Mart, which means you’ll get 4 points for each dollar spent in store or online for the rest of the year. So, if you can manage to shop strategically, you’ll benefit big time.
- Regular rewards. For starters, you’ll earn just 2% “cash” back on all purchases made with the Stein Mart Mastercard. You’ll get 2 points per $1 spent, and you need 500 points to get a $5 rewards certificate. To put that into context, the average cash rewards card offers 1.15% back on all purchases, while the best rewards cards give you 2%+ across the board.
Furthermore, Stein Mart Credit Card points expire if you don’t make a purchase for 18 consecutive months. And making sure you spend or redeem often enough to avoid that fate is a hassle.
- No financing appeal. The Stein Mart Credit Card doesn’t offer 0% introductory rates, and its regular APR is well above the average for a new credit card offer (22.89%). So you don’t want to carry a balance from month to month with this particular plastic.
- No annual fee. The Stein Mart Mastercard’s lack of an annual fee will save you about $22.29 per year relative to the average credit card. And it’s especially helpful for folks who want to use the card occasionally, rather than making it their everyday spending vehicle. But most retailer-affiliated credit cards don’t charge annual fees. So this feature isn’t unique, either.
- Good credit required. You need good or excellent credit to qualify for the Stein Mart Mastercard, which means it’s probably wise to check your latest credit score before you apply. And if you find that your credit is merely fair, you should still be able to get Stein Mart plastic. The Stein Mart Store Card is available to people with fair credit, and it offers all of the 10% discounts available from the Mastercard version.
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Compare The Stein Mart Credit Card vs. Popular Alternatives
 Stein Mart Credit Card |  Costco Anywhere Visa® Card by Citi |  Wells Fargo Active Cash® Card |
|---|---|---|
3.1WalletHub Rating WalletHub Rating 3.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 Market Comparison 2.9 fees: 5.0 rewards: 2.1 cost: 2.9 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0 | 4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.2 Market Comparison 4.4 fees: 3.8 rewards: 4.7 cost: 4.7 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APR0%for15 months from account opening |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro apr0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5) |
Regular APR26.99% (V) | Regular APR20.49% (V) | Regular APR20.24% - 29.99% Variable |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Stein Mart Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
7
Upvotes
How can I pay my Stein Mart Credit Card?
Reply
7
Maria Adams, Credit Cards Moderator
@m_adams
The easiest way you can pay your Stein Mart Credit Card is either online bysigning into your account, or by phone at (855) 269-2139. You can also pay your Stein Mart Credit Card by mail. Since Stein Mart is now operating solely online, you can no longer pay your credit card bill at any store.
How to Pay Your Stein Mart Credit Card:
- Online: To pay your Stein Mart Credit Card online, you have to log in to your account, or simply pay as a guest.
- Over the phone: To make a payment over the phone, you just call (855) 269-2139, or the number on the back of your card.
- By mail: Alternatively, you can send a check or money order (but not cash) via mail to the following address:
Synchrony Bank
PO Box 530918, Atlanta
GA 30353-0918
Keep in mind that sending payments via mail is the slowest method available, so make sure to post yours at least 5 days before your due date.
Since Stein Mart is now operating solely online, you can no longer pay your credit card bill at any store. Having that said, keep in mind that the Stein Mart Credit Card is no longer available to new applicants. Lastly, you cannot use this credit card on the Stein Mart website.
2
6
Upvotes
What special offers are there for Stein Mart Credit Card holders?
Reply
6
James D richard, WalletHub Analyst
@b2bfever
The Stein Mart Credit Card special offers are the following:
When you open a credit account, you get 10% off your first purchase. In addition to that, you will receive a $5 Stein Mart SMart Cash Reward with your new credit card in the mail.
The ongoing rewards are pretty modest though. You'll earn just 2% “cash” back on all purchases made with the Stein Mart Mastercard. You'll get 2 points per $1...
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4
2
Upvotes
Where can I get a Stein Mart Credit Card cash advance?
Reply
2
Maverick Forrest
@mvforrest14
You can locate the nearest Stein Mart Credit Card cash advance location here.
Please note that cash advances are extremely expensive and should be avoided.
2
1
Upvote
Can I use my Stein Mart Credit Card anywhere?
Reply
1
John Wittgap, WalletHub Analyst
@j.wittg
You cannot use your Stein Mart credit card anywhere. The credit card is designed for use only at the Stein Mart department stores.
1
1
Upvote
How do I cancel my Stein Mart Credit Card?
Reply
1
Isaac Rockall
@rockall_isaac
To cancel a Stein Mart Credit Card, call customer service at 1 (866) 419-4096 and ask a customer service rep to cancel your card account. Synchrony Bank does not allow you to cancel an account in person or by mail.
Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. In addition, if you cancel your credit...
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1
1
Upvote
Is this a MasterCard?
Reply
1
1
Upvote
I have a Stein Mart MasterCard with Synchrony Bank. How do I access the information associated with this card online?
Reply
1
1
WalletHub
@WalletHub
You can access your account information using this link: https://www.steinmartcredit.com/consumergen2/login.do
Upvotes
Does the 10% offer come directly off the bill, at the store, when you pay?
Reply
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Stein Mart Credit Card Reviews
Share your insights and review for the Stein Mart Credit Card
5
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4.5
2 reviews
2 reviews
What's Your Rating?
Mari
@kbkiddo
5 Star Rating
I think this is Steinmart. They closed the store near us, and I think they went out of business. They didn't close it for any action I took. It was paid on time.
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