Stein Mart Credit Card

Stein Mart Credit Card

in Personal Credit Cards from Synchrony Bank


Stein Mart Credit Card


in Personal Credit Cards from Synchrony Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Stein Mart Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Purchase APR  (Variable APR) Up to 29.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee N/A

Stein Mart Credit Card Review

Stein Mart Credit Card is a store credit card issued by Synchrony Bank. If you're wondering whether Stein Mart Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Stein Mart Credit Card Pros & Cons
The Good The Bad
  • Save 10% on your first online purchase.
  • 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.
  • Stein Mart Credit Card reports to multiple credit bureaus.
  • High interest rates.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Stein Mart Credit Card FAQ

Is there a Stein Mart Credit Card cash back or rewards program?

No, Stein Mart Credit Card does not offer a rewards program.

What are the relevant APRs for Stein Mart Credit Card?

Stein Mart Credit Card has a variable purchase APR of up to 29.24%.

Does Stein Mart Credit Card have an introductory APR offer on balance transfers?

No, Stein Mart Credit Card does not come with an introductory APR offer for balance transfers.

Does Stein Mart Credit Card have an introductory APR offer on new purchases?

Stein Mart Credit Card does not offer an introductory rate on new purchases.
Stein Mart Credit Card Purchase Intro Offer
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Stein Mart Credit Card?

The following fees apply to Stein Mart Credit Card:

Stein Mart Credit Card Fees
Fees Amount
Annual Fee
Late Payment Fee up to $38

Does Stein Mart Credit Card report your account activity to credit bureaus?

Yes, Stein Mart Credit Card 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 Credit Card

  • Visit the Stein Mart Credit Card 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: 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.


  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
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Purchase APR (Variable APR) Up to 29.24%
Card Type Store Card
Card Network Other

Be the first to rate


Would you recommend Stein Mart Credit Card 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)



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