Sears is a popular department store known for its appliance selection. If you’re a dedicated Sears shopper, you might enjoy the Sears credit card. There is a Sears credit card and a Sears Mastercard, which is issued by Citibank.
The Sears store card is available to those with fair credit or better, which means a credit score of about 660 or higher. The Sears Mastercard requires a credit score of good or better, which is a score of 700 or higher.
How to Complete a Sears Credit Card Application Online
You can complete a Sears credit card application online quickly.
- To get started, visit searscard.com. Click “Credit Card” and click “Apply Now.”
- On the next page, select whether you’d like to apply for the Sears store card or for the Sears Mastercard. The process is the same for both.
- Under the card you choose, click “Apply & Use Today.”
- Sign into your Sears “Shop Your Way” account. If you don’t have a “Shop Your Way” account, click the blue link saying “Join for free” and follow the prompts to sign up for an account.
- Once you’ve signed up, enter your email and password and click “Sign In.”
Follow the prompts to complete the Sears card apply process.back to menu ↑
Other Ways to Apply for a Sears Credit Card Application
You can also apply for a Sears credit card at a Sears store. Let an associate know that you’d like to apply. You will need to present a photo identification.back to menu ↑
Sears Credit Card Rewards Program
The main benefit of a Sears store card is the special financing offers. These offers vary and are typically for appliances and other categories. If you qualify for the Sears Mastercard, you earn 5 percent on gas purchases, 3 percent at grocery stores and restaurants, 2 percent on purchases at Kmart and Sears, and 1 percent on all the other purchases.back to menu ↑
Sears Credit Card FAQs
What is the APR for a Sears credit card?
The APR for both Sears credit cards can be variable from 10.24 to 28.24 percent. It’s also variable based on the Prime Rate. Or just 5 percent – 26.49 percent.
Can I get a cash advance?
You can get a cash advance with both cards. The APR for a cash advance is 29.99 percent. There is also a fee of 5 percent or $5, whichever is higher.
Is there an annual fee?
There is no annual fee for either of the Sears credit cards.
Is there a late fee?
You can be charged a late fee of up to $35 with either card if your payment is received after the due date.
Can I transfer a balance?
You can transfer a balance if you qualify for the Sears Mastercard. There is a fee of either 5 percent or $10, whichever is more.
The reviews for both Sears credit cards are mixed. The special financing is helpful, but the APR is high, especially for the Sears Mastercard. There are also several complaints about customer service. Some cardholders had trouble getting promotional financing and others had their credit limits lowered unexpectedly.