Stein Mart Platinum MasterCard Review, Application Process, Login Guide, and Payment Process

Stein Mart Credit Card Review and Login Guide

Stein Mart locations are primarily in the Southeast and Texas, Stein Mart has over 260 operational stores over 29 states. As an upscale, boutique-style men and women’s department store, Stein Mart has decided to offer a credit card that can be used exclusively at their locations around the US. Stein Mart Credit Card is a store-branded credit card.

It is designed and issued by the Synchrony Bank for the customers of this American retailer. This card offers quite generous benefits, especially for those customers who spend over $500 per year at Stein Mart Stores.

Primarily, Stein Mart Platinum MasterCard is a subprime store-branded card. You can expect a staggering APR (which currently stands at 28.49%) and a zero annual fee. Besides, the credit score requirements for this credit card are not that high.

You can also choose whether you want to get a MasterCard or a usual store card. You will not be able to use the latter elsewhere than the Stein Mart stores.

One may securely say that Stein Mart and Synchrony have created a really well-balanced credit card. You will get 2 points for every $1 spent at Stein Mart which you can always exchange 1000 points for a $10 certificate.

So, this actually leaves you with a 2% reward rate. Apart from that, the basic credit card from Stein Mart is stuffed with other worthwhile benefits. You will get access to insider perks and receive a surprise on your birthday with a Stein Mart loyalty card.

But on top of that, you will gain access to the exclusive shopping events from Stein Mart. Not only that, you will be able to take advantage of the bonus shopping days, when the rewards will be much higher.

Another key thing one has to bear in mind is that you can upgrade it to the Stein Mart Platinum credit card if you spend $500 per year or more. With this credit card, you will get 4 points for every $1 spent at Stein Mart, leaving you with a 4% reward rate.

In addition to that, you will get 10% off on purchases during the days you will pick as your sale days. Another pleasant bonus is the free shipping on online orders at steinmart.com.

The Benefits of Stein Mart Credit Card

No annual fee: You will not pay an annual fee for the life of the card.

Stein Mart perks: You will get exclusive extra savings events, advance notice of sales events and a birthday gift.

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 steinmart.com and exclusive elite sales days.

Rewards points: You will 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.

Signup bonus: You will get 10% off on your first online purchase, plus a $10 rewards certificate just by opening your credit card account.

Disadvantages of Stein Mart Platinum MasterCard

We have just completed the benefits of the credit cards, the article will not be complete without running through the demerits or disadvantages.

No intro APR period: You don’t get any interest-free days on purchases or balance transfers. If that is a perk you value, consider a 0% intro APR credit card.

Foreign transaction fees: There is 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 is due or you will incur an incredibly high APR of 26.99% variable.

Application Requirements

To be eligible for this credit card, applicants must meet the following criteria

====> Applicants must be 18 years old

====> Applicants must have a valid Social Security number

====> Applicants must have a valid US address

====> Applicants must have a valid driver’s license

Stein Mart Credit Card Application Process

You have decided now to apply for Stein Mart Platinum MasterCard. Your question is now, how do I apply for Stein Mart credit card? The application process is through online, this part of the article will guide you through.

Step 1 ====> You need to visit Stein Mart credit card official application page  

Step 2 ====> On the page, locate and click on the apply button

Step 3 ====> You will get to view the application form right on that page. Now, you should start filling it out.

Step 4 ====> You need to provide your personal details in the space provided, first and last name, home address, email address, phone number, social security number, date of birth, and annual net income

Stein Mart CreditCard Review and Login Guide

Step 5 ====> Once you are through with the filling of the form, click on the Continue button and proceed further

Step 6 ====> You will get to see the options of this credit card: a usual store-branded credit card or MasterCard. Then, you should select an option that interests you and proceed further.

Step 7 ====> Now read the terms and conditions of this credit card. At that point, you should carefully and attentively read them before proceeding further.

Stein Mart Credit Card Review and Login Guide

Agree with them, check the boxes near I agree… at the bottom of the page

Step 8 ====> Finally, click on the Submit button. Eventually, you will get to see whether you have been approved for this credit card on the next page.

Stein Mart Platinum MasterCard Login Guide

When you log in to your online account, you will be able to perform various activities. You will be able to manage your card account online such as paying your card or checking on your balance.

Step 1 ====> You need to access the webpage of the Synchrony Bank

Step 2 ====> On that page, you will get to see the SteinMart credit card login form, which is the place where you can sign in to your card account online.

Stein Mart CreditCard Review

Step 3 ====> Now enter your login details (username and password) in the fields provided

Step 4 ====> Finally, click the secure Login button to access your online account.

If you entered the correct login details, you will access your online account without any issue.

Forgot Password

Lost your Password? Credit Cardholders who have trouble logging in or have lost their password can regain access to the account following the guidelines provided below.

Step 1 ====> You need to access the webpage of the Synchrony Bank

Step 2 ====> On the page, locate and click on Forget password

Stein Mart Platinum MasterCard Review

Step 3 ====> Enter your Account Number in the respective space and then click Next

Step 4 ====> Validate your account in the next page and then you will be allowed to select a new password

Stein Mart Credit Card Payment Process

At the present time, there are three common ways of paying your Stein Mart card. They are:

Online Payment Process

Phone Payment Process

Mail Payment Process

Since Stein Mart is going out of business, you can no longer pay your credit card bill in stores.

Online Payment Process

In fact, the easiest and quickest way to pay your credit card from Stein Mart is to do so online. In order to pay your SteinMart card online, you should follow online instructions and sign in to your card account. To make an online payment you need to log into your account following the guideline mentioned above. Once logged in you will find the Payments tab on the account homepage. After that, you will be able to pay your card on the web right there.

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Phone Payment Process

You can pay your credit card via a phone call. For that purpose, you should call 1 855 269 2139. Then, ask the operator to pay your card and, after that, follow the operator’s instructions. However, you must keep in mind that you might be charged a fee for this service.

Mail Payment Process

You may also send your payment by mail. For that, you have to use the following address. 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.

Stein Mart Credit Card

Synchrony Bank

PO Box 530918, Atlanta

GA 30353 0918

Conclusion

Stein Mart credit card is truly a great offer from the renowned American retailer. While the reward rate is not completely mind-blowing. An ability to increase it with the Platinum status and a great number of perks compensate it for sure.  Indeed, we recommend you to get this credit card if you are a regular customer of this chain and especially if you spend over $500 per year at Stein Mart.

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About the Author: Gadgetsright

Adeola (Jasper) is someone who loves everything about technology. He devoted to everything that is tech-related and tries his best to produce useful and quality articles about mobiles, computers and other related products.

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