Annual Fee: None Introductory Offer: See your local Sears store for details Regular Annual Percentage Rate: 22.15% variable APR: 17.15% + prime rate Ability to pay your balance online or in store Issuer: Citibank

Review:
One convenient feature of the Sears credit card is that if you make a purchase with your card at a Kmart or Sears store you can return the item even if you have lost the receipt.

I do not suggest applying for a Sears credit card online because you are missing out on the best features. If you apply for one in store you will probably receive a discount on your purchase and receive a 0% introductory offer. Like most department stores, Sears probably has periodic sales in store, where you can get an extra 10-20% off your purchases when you use your Sears card, so it could be worthwhile to get this card if you're a frequent shopper.

I would also suggest that if you do get a Sears credit card only get one for the discount and make sure you pay off your balance. The variable interest rate is extremely high for a credit card, and you should not carry a balance on this card.

More Card Reviews:
WalMart Credit Card, Citi Thank You Network, FreeCreditReport.com, Victoria Secret credit card