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Stein Mart Platinum Mastercard® review

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A no-annual-fee credit card with perks at this department store.

  • Get this card if you often shop at Stein Mart.
  • Pick something else if you want a higher rewards rate or a variety of redemption options.
  • Apply with a good credit score of 670 or higher.


Welcome offer


Annual fee


Purchase APR (variable)


Recommended credit score


Product NameStein Mart Platinum Mastercard®
Card typeMastercard
Annual fee$0
Purchase APR26.99% variable
Balance transfer APRN/A
Cash advance rate28.99% fixed
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 23 days
Late payment feeUp to $38

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

Unless you’re a super loyal Stein Mart customer who specifically wants this brand’s credit card, this card may not be worth considering.

That’s because the Stein Mart Platinum Mastercard® offers a stingy signup bonus, a low rewards rate on Stein Mart purchases and high interest rates if you carry a balance. Also, you can only redeem your rewards points toward Stein Mart purchases made in-store. It’s hard to find real value with this card you can’t get elsewhere.

Card benefits

  • Signup bonus.
    Get 10% off on your first online purchase, plus a $10 rewards certificate just by opening your credit card account.
  • Rewards points.
    Earn 1x points on all purchases. This is a disappointing rewards rate, considering most cobranded retail credit cards offer between 3x and 6x points on purchases made at the retailer.
  • Status tiers.
    Boost your rewards rate on Stein Mart purchases to 2x points once you reach Elite status tier. This is still a low rewards rate compared to similar cards, but as an Elite member, you get free shipping at and exclusive elite sales days.
  • Stein Mart perks.
    Get exclusive extra savings events, advance notice of sales events and a birthday gift.
  • No annual fee.
    You won’t pay an annual fee for the life of the card.

What to watch out for

  • No intro APR period.
    You don’t get any interest-free days on purchases or balance transfers. If that’s a perk you value, consider a 0% intro APR credit card.
  • Foreign transaction fees.
    There’s a 3% fee of the amount of each transaction you make abroad or online with a foreign merchant.
  • Limited redemption options.
    You can only redeem your points for rewards certificates toward Stein Mart purchases made in-store.
  • High APR.
    Pay your balance in full before it’s due or you’ll incur an incredibly high APR of 26.99% variable.

How to apply for the Stein Mart Platinum Mastercard®

  1. Visit the Stein Mart website.
  2. Scroll to the bottom of the page and under Stein Mart Credit click Apply online.
  3. Fill out the application form with your personal and financial information.
  4. Review the application form and submit.

What credit score do I need?

Increase your chances of approval with a good to excellent credit score of 670 or higher.

Compare store credit cards

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Bottom line

The Stein Mart Platinum Mastercard® is made for Stein Mart customer. But aside from some store-specific perks such as free shipping once you reach Elite status tier, and exclusive sales days, there isn’t much value to get from this card you can’t get elsewhere.

It’s important you compare your credit card options to make sure you apply for the right credit card for your needs.

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