Sears Card®

The Sears Card offers cardholders monthly savings and coupons.

This is a store-branded card. You may be able to get better rewards and terms with a general-use reward credit card instead.

Learn more about reward credit cards

Where can I use my Sears Card®?

This card can only be used at Sears, Kmart, and There is also a version of this card you can use anywhere MasterCard credit cards are accepted, the Sears MasterCard.

Check out how this card stacks up to the MasterCard version in our Review of the Sears Card and Sears MasterCard.

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Quick View

Quick View

  • Rewards
    • $15 off a purchase or special financing for 6 months on purchases the day you open the card
    • Special discounts and financing offers on a variety of products every month
  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee N/A
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR N/A
  • Cash Advance APR 27.40% *Variable
  • Penalty APR See Terms
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Advance Notice of Sears Sales Events

    Exclusive access to news about upcoming sales and specials

  • Temporary Shopping Pass

    If you forget your card, just show your I.D. to get a temporary day pass.

Account Management

  • Online Account Management & Bill Pay

    See your account and manage everything online.

  • Free Authorized Users

    Add additional users to your account at no cost.


  • Fraud Protection

    You will not be held responsible for unauthorized purchases made on your card.

  • Citi Identity Theft Solutions

    Get professional help if your identity is stolen or compromised.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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The Insider

Brendan Harkness
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Brendan Harkness | Oct 21, 2016

The Best Western Rewards MasterCard provides 13 points for every dollar you spend with Best Western, along with a variety of extra perks and benefits.

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Review of the Upromise® World MasterCard®
Brendan Harkness | Sep 28, 2016

The Upromise World MasterCard offers up to 10% cash back at select retailers, and you can redeem your rewards directly to your college fund or student loan.

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Review of the Ultamate Rewards Credit Card and Ultamate Rewards MasterCard
Brendan Harkness | Sep 22, 2016

The Ultamate Rewards Credit Card and Ultamate Rewards MasterCard both offer 2 points per dollar at Ulta, along with member-only rewards and benefits.

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