Sears Card®

The Sears Card offers cardholders monthly savings and coupons.

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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Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.


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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 -
  • 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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Average rating:  
 1 reviews
by Belle

BEWARE of those 1 or 2 yrs "without interest charge" SCAM! It only works if you pay the full amount before the end of that period, if not you will be charged interests for the full 1 or 2 yrs (unlike any other credit card I have).I only had $50 balance left to pay, now my account reflects I owe $300what a scam!!! and don't even bother calling customer service, if you are lucky enough to understand the english they speak you will see they are of no help and only want to get more money out of you.This is why Sears will go out of business very soon.So be very aware of this.

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