Sears Credit Card

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2.5
 
0.0 (0)
 
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Interest Rate (APR)

Introductory Offer for Purchases
Yes
Introductory APR
Available for In-store Offers Only
Introductory Period
Available for In-store Offers Only
Purchases
25.24%
Balance Transfer
N/A
Cash Advance
27.15%
Minimum Interest Charge
$2.00
Periodic Finance Offers
Yes
Periodic Offers APR
0%
Periodic Offers Length
6 - 60 Months
Minimum Purchase Required
Varies by Offer

Fees

Annual
None
Cash Advance
$5 or 5% of amount advanced whichever is greater
Late Payment
Up to $35.00

Benefits

Features
  • Introductory offer: See your local Sears store for details
  • Exclusive sale and discount opportunities
  • Receive points with Shop Your Way Rewards
Apply
Apply Online or In-store
Issuer
Citibank, N.A.
Where Can I Use It
At all Sears branded stores including; department and auto centers. You may also use it at Kmart and Lands' End stores, and online at sears.com, kmart.com, and landsend.com.
Online Account Management

 

 

Editor review

Overall rating 
 
2.5
Interest Rate (APR) 
 
2.5
Fees 
 
3.0
Rewards 
 
2.0
Reviewed by Steven Merkel May 12, 2014
#1 Reviewer  -   View all my reviews (7)

Credit Card Review

Do You Recommend This Card
Yes
Why?
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 regular 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.
Who Will Get the Most Out of This Credit Card
The savvy consumer that wishes to take advantage of their finance offer for a large purchase, or the regular customer that shops at their brand of stores often.

Interest Rate (APR)

Is the Interest Rate Competitive
The interest rate is only slightly lower than what other store cards offer.

Rewards

How Do You Like the Rewards?
This card doesn't come with any rewards for spending, but you can combine it with the Shop Your Way program and receive additional points when you complete a purchase with both. This card only comes with periodic financing offers and coupons. The financing offers vary from quarter to quarter and are for specific purchases only.
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