Earn $5 SMart Cash* for every 500 points

Open a credit account & get 10% off your first purchase.*

Plus, you will receive a $5 Stein Mart SMart Cash Reward with your new credit card in the mail.

Apply Now

Free! Become a Loyalty Member

Join today & receive insider perks, plus a birthday surprise!

Join for Free

SMart Rewards Benefits

Exclusive Shopping Events

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Birthday Surprise

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$5 SMART CASH at 500 Points

 
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Points Per $1 Spent at
Stein Mart

 
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Bonus Points Days

 
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Points earned on purchases anywhere Mastercard is accepted

 
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Zero Fraud Liability

 
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10% Pick Your Own Day

 
 
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Free Every Day Shipping**

 
 
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Manage Your SMart Rewards Loyalty Account

This option is only available in select markets.
See Participating Stores


Frequently Asked Questions

What happened to the Preferred Customers program?

All Preferred customers are now Stein Mart SMart Rewards Loyalty members and will continue to enjoy exclusive insider perks!

How do I maintain my Elite Status?

As long as you continue to spend at least $500 at Stein Mart with your Stein Mart credit card within a calendar year, your Elite Status is secure.

Do I earn points on purchases outside of Stein Mart with my Stein Mart Mastercard?

Yes, you earn 1 point per $1 spent everywhere else Mastercard® is accepted*.

How do I get Free Shipping?

Free Shipping is a benefit for Elite Credit Cardmembers only. To receive free shipping, Elite Credit Cardmembers must create a Sign-in account on SteinMart.com and sign up for online account management at SteinMartCredit.com using the same email address for both accounts.Cardmember must be signed in to SteinMart.com when completing the purchase to receive the free shipping benefit. Valid for shipments within the U.S. only, including AK and HI.

How do I receive my Stein Mart SMart Cash Reward?

SMart Cash Rewards are included in your monthly billing statement that you receive in the mail. If you are enrolled in online account management, a paper statement will be mailed to you just for that month. It is important to note even though your reward is included on your online statement you must use the reward that is mailed to you via the USPS.

Can my SMart Cash Reward be used towards all merchandise?

Yes, SMart Cash Rewards can be redeemed just like cash towards any purchase when using your Stein Mart credit card only in-store at this time.

When does my SMart Cash Reward expire?

SMart Cash Rewards are valid for 60 days. The reward expiration date is printed on the front of each reward.

How do I get additional cards for family members?

You can add a family member as an authorized user by calling the toll-free number on the back of your card or, visiting SteinMartCredit.com. There’s no charge for additional cards and you earn reward points for purchases made by an authorized user that’s been added to your account. Your authorized users will also receive the same exclusive benefits you do! The Primary Cardholder will be liable for all purchases made on the Account, including those made by an authorized user.

How do I pay my bill?

Online: Visit SteinMartCredit.com. You can pay your bill, review your recent transactions, and view your statement and balance. For help by phone, call customer service at 1 (855) 269-2139 for the Stein Mart Credit Card and 1 (866) 864-2149 for the Stein Mart Mastercard.

You can pay in-store. We do not accept Money Orders. We accept 3 forms of tender when accepting a Credit Card payment. Cash, Check, Debit.

Pay by Phone: call 1 (855) 269-2139 for the Stein Mart Credit Card and 1 (866) 864-2149 for the Stein Mart Mastercard. (There is no fee associated with the automated system. Payments requiring a service representative include a processing fee.)

(Depending on which credit card you have) Payments can be mailed to:

Stein Mart Credit Card:
Stein Mart Credit Card/SYNCB
P.O. Box 530918
Atlanta, GA 30350-0918
Stein Mart Mastercard:
Stein Mart Mastercard/SYNCB
P.O. Box 960013
Orlando, FL 32896
How do I turn off paper statements?

Log in to SteinMartCredit.com. Click on “Go Paperless”. You’ll start receiving monthly e-mail notifications when your statement is ready to be viewed online. A paper statement will be mailed to you in months you earn a SMart Cash Reward.

Will my authorized users also be given Elite Status?

Yes. Your authorized users have also been upgraded. They will receive the same exclusive benefits that you do.

Don't see your question?

If you have any additional questions about your online order, please call (888) 783-4662 to contact customer service.

* Purchases subject to credit approval. 10% off excludes gift card purchases. See Rewards Program Terms for details.

** In order to receive free shipping, cardmember must create a sign-in account on SteinMart.com and sign up for online account management at SteinMartCredit.com using the same email address for both accounts. Cardmember must be signed into SteinMart.com when completing the purchase to receive the free shipping benefit. Valid for shipments within U.S. only, including AK and HI.

The Stein Mart Mastercard and the Stein Mart Elite Mastercard are issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.