GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
Update: Some offers mentioned below may have changed or are no longer available. View current credit card offerings from our partners at CardCritics here on the issuer’s website.
With exclusive savings and special financing, the Sears credit card through Citibank offers consumers valuable incentives to conquer their shopping lists while saving money. For those who want to reap the benefits of the Sears card and earn rewards on top, a Sears Mastercard from Citi ® is also available.
With the Sears rewards card, shoppers earn points through the Shop Your Way program for eligible purchases anywhere Mastercard is accepted. Here’s what you need to know about getting your Sears credit card application approved, so you can enjoy what some might consider as one of the best store credit cards available.
When applying, your options are a Sears Card or a Sears Mastercard. Both cards feature no annual fee and have an interest rate of 26.24% APR on purchases. All cardholders receive monthly deals and special offers. The Sears Mastercard allows you to earn up to 5 percent in Shop Your Way points, which you can redeem for merchandise at Sears or Kmart stores.
Here’s how to apply for a Sears Citi credit card and get your Sears credit card application approved:
You can apply for a Sears Citi credit card or Sears Mastercard online or in person at a Sears or Kmart store. Applications are not accepted by mail.
For questions, call Sears Credit Card Services at 1-800-815-7701 .
The terms and conditions are located at the bottom of the online application form. When applying at a retail location, the terms and conditions will be given to you as part of the application.
The grace period is at least 25 days. You must pay your new balance by the due date in each billing cycle to avoid interest. For late payments, a fee of $27 to or $37 if you exceed one late payment within six billing cycles — will be added to your regular purchase balance.
You’ll need to provide the following identifying information to process your application for store cards from Sears or Kmart. Make sure all your information is accurate to increase your chances of a credit card approval.
When you apply for the credit card, C itibank will order your credit report to determine whether you qualify for store credit cards like the Sears card. Your credit limit is determined by the income you provide and the amount of debt listed on your credit report. Account approval will depend on your credit score and other factors.
Both the Sears credit card and Sears Mastercard could be helpful for people who enjoy shopping at Sears or Kmart. Although the terms and conditions are the same for both cards, the Sears Mastercard allows shoppers to make purchases anywhere Mastercard is accepted and rewards redeemable merchandise points for eligible purchases.
