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Sears Mastercard®

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This card earns a rather high 5% back in points for eligible gas purchases and 3% back in points for eligible restaurant and grocery purchases, but you can only redeem for purchases at Sears or Kmart. If you’re not a frequent Sears or Kmart shopper, this card is probably not for you.

Our rating
Credit range: Fair
Annual Fee: $0
Regular APR: 26.49% Variable

Sears Mastercard®

Our rating
Fair Credit range
$0 Annual Fee
Apply Now Read our Review

Highlights & Features


  • 5% in points at Gas stations
  • 3% in points at:
    • Grocery stores
    • Restaurants
  • 2% in points at Sears and Kmart
  • 1% in points for every other purchase

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 26.49% Variable
Balance Transfer Fee 5% (Min $10)
How to Transfer a Balance on a Credit Card


Penalty APR See Terms
Late Fee Up to $37
Returned Payment Fee Up to $37
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 28.40% Variable
Cash Advance Fee 5% (Min $5)
How to Get a Cash Advance with a Credit Card
Sears Mastercard®


  • Monthly Savings
  • Special Financing Offers
  • Advanced Notice of Sears Sales Events
  • No Annual Fee
  • 25.49% Regular Purchase APR *Variable


Citi has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-917-7700 or

Try a different phone number
See all Issuer Cards

The Sears Mastercard offers discounts and deals at Sears, and all the benefits that come with having a Mastercard.

You can take advantage of special cardmember benefits at Sears and Kmart, both in-store and online.