Sears Credit Card - Shop Your Way MasterCard

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Sears store credit card 2021
Shop Your Way Sears MasterCard 2021


The standard Sears store credit card and Shop Your Way MasterCard both offer special financing for specific purchases. The MasterCard comes with an additional sign-up bonus offer.

It's unclear how much longer Sears will stay afloat as it continues to close stores across the US. The closing of stores follows the parent company Sears Holdings successfully filing for bankruptcy in 2018. Maybe they will be able to pivot towards an online store like Amazon with the on-going coronavirus pandemic.


5% off select Sears purchases or choose finance offer
Store card can be used at Sears and Kmart
Shop Your Way MasterCard
5 points per dollar spent on gas becomes 1 point when cap is reached
Gas rewards capped at $10,000 spent on gas, grocery, restaurant purchases
3 points per dollar spent on grocery and restaurants

Interest Rate

Purchases: 25.24%
Balance Transfer: 25.24% - MasterCard only
Cash Advance: 27.15% - MasterCard only
Minimum Interest Charge: $2.00


Annual : None
Balance Transfer: The greater of $10 or 5% of the amount transferred
Cash Advance: The greater of $5 or 5% of the amount advanced
Late Payment: Up to $40
Foreign Transaction: 3% - MasterCard only


Apply Online or In-store
Issuer: Citibank
Pay Your Bill Online
Shop Your Way Rewards is a rewards program administered by Transfom SR Holding Management LLC.

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