Best Credit Card for Stein Mart in 2026
Stein Mart is classified under MCC 5331 (Variety Stores). The best card for Stein Mart purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 6x on variety stores — an effective return of 6.00%.
Stein Mart is a variety store where you can find everything from clothes to home decor, making it an MCC that's covered under credit cards with broad shopping categories for rewards.
To maximize rewards, sign up for Stein Mart's email list and check frequently for special credit card promotions that might offer bonus points or discounts.
Spending Math
If you spend $200 a month at Stein Mart with a card offering Shopper Cash Rewards at 6x points, you earn $144.00 annually compared to just $24.00 from a standard 1% cash back card.
Stein Mart purchases are classified under MCC 5331 (Variety Stores).
MCC Details for Stein Mart
Best Credit Cards for Stein Mart (2026)
How Stein Mart Codes on Your Statement
When you pay at Stein Mart at their locations, your card issuer sees MCC 5331 in the transaction data. This code tells your bank that the purchase was made at a variety stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "variety stores" purchases, Stein Mart transactions will qualify — even if your card terms only mention a category name and not Stein Mart specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Stein Mart transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5331 qualifies for bonus rewards.
Bonus Category Match — Stein Mart
About MCC 5331: Variety Stores
Merchant Category Code 5331 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Variety Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5331, all qualifying card programs that include variety stores as a bonus category will apply the elevated earn rate.
The Retail industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Variety Stores merchants: 99 Cents Only Stores, Big Lots, Building 19.
What You Could Earn at Stein Mart
Spending $200/month at Stein Mart with the Shopper Cash Rewards (6x on variety stores) earns approximately $144/year in rewards. A basic 1% card earns $24 on the same spending. After the $95 annual fee, that is $49 more per year.