MCC 5331

What MCC Code Does Stein Mart Use?

Plus: the best credit cards to use at Stein Mart for maximum rewards in 2026.

By PointsPick Team, Credit Card Research Team  ·  Updated April 2026

Quick Answer

Stein Mart uses MCC code 5331 (Variety Stores). The best credit card is the Shopper Cash Rewards, earning 6x rewards on this category.

Best Credit Cards at Stein Mart

Stein Mart transactions are processed under MCC 5331 (Variety Stores, category: retail). These cards earn the highest rewards:

Card Earning Rate Annual Fee Issuer
Shopper Cash Rewards 6x $95/yr U.S. Bank Apply Now

Rates and fees as of April 2026. Verify with issuer before applying.

Quick Reference

All cards for MCC 5331 Stein Mart merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does Stein Mart use?

Stein Mart uses MCC code 5331, which is classified as "Variety Stores". This determines which credit card bonus categories apply to purchases at Stein Mart.

What is the best credit card to use at Stein Mart?

The best credit card at Stein Mart is the Shopper Cash Rewards, which earns 6x points/miles on purchases coded as MCC 5331 (Variety Stores).

Does Stein Mart qualify for grocery credit card bonuses?

Stein Mart uses MCC 5331 (Variety Stores). This means purchases at Stein Mart do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).