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Sears Credit Card
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Annual Percentage Rate (APR)

Purchases: 27.49%
Min. Interest Charge: $2.00
Periodic Finance Offers: Available
The Following Interest Rates Apply Towards the MasterCard Only
Balance Transfer: 27.49%
Cash Advance: 29.40%

Credit Card Fees

Annual Fee: None
Balance Transfer: Either $10 or 5% of the amount transferred whichever is greater
Cash Advance: Either $5 or 5% of the amount advanced whichever is greater

Sign-up Bonus and Benefits

Sign-Up Bonus

$20 statement credit for MasterCard
Requirements: Spend $30 within 30 days of account being approved. The regular store card doesn't have a sign-up bonus.

Shop Your Way Rewards

  • Card members are enrolled in the Shop Your Way rewards program
  • Receive 2 points per dollar spent at Sears and Kmart
  • Points can be spent on most items in Sears, Kmart, and Lands End
  • Points expire quarterly after 12 months

5-3-2-1 MasterCard Rewards

  • Receive 5 points per dollar spent on gas
  • Receive 3 points per dollar spent at restaurants and grocery stores
  • Points cap out at $10,000 spent in a year, afterwards earn only 1 point on purchases


Apply Online or In-store
Issuer: Citibank, N.A.
Where an I use the standard Sears credit card? At all Sears branded stores including; department and auto centers. You may also use it at Kmart and Lands' End stores, and online at,, and
Pay Your Sears Bill Online



Editor review

Overall rating 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel May 12, 2014
Last updated: May 15, 2019
#1 Reviewer  -   View all my reviews (25)

Do You Recommend This Credit Card?

If you are a frequent shopper of Sears or Kmart you should apply for this card, but you will be better served by the MasterCard. If you have limited credit history or poor credit you will more likely be approved for the store Sears card. You can use it to help build your credit history until you have a high enough score to switch to the MasterCard. Also, you want to apply in-store for this credit card to get the special offer for opening an account, which may not be available with the online application.
The savvy consumer that wishes to take advantage of their finance offer for a large item, or the regular consumer that shops at there brand of stores often. Although it is becoming more difficult to find an actual Sears or Kmart location still in business as they continue to close stores nationwide.

Is The Interest Rate Competitive

The interest rate is at a ridiculously high rate of 27.49%. Currently all interest rates are on the rise as the Federal Reserve continues to raise them.

How Do You Like the Rewards

The no frills store card is automatically enrolled in the Shop Your Way Rewards program, and has no added bonus. The MasterCard gives you an above average rewards program on top of the Shop Your Way rewards.
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