Sears MasterCard®

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.

Where can I use my Sears MasterCard®?

This card can be used anywhere MasterCard credit cards are accepted, which is pretty much everywhere that accepts credit cards. Sears also offers a version of this card that can be used at Sears and affiliated retailers only, the Sears Card.

Check out how this card stacks up to the basic store 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.


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 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 26.49% Variable
  • Cash Advance APR 28.40% 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.


  • Extended Warranty

    Doubles the original manufacturer’s warranty, up to one extra year.

Visitor Reviews

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

Submit your review

Create your own review

Average rating:  
 9 reviews
by michelle
lost my payment

This company is awful. I decided to pay my card off and sent them a check for over 10,000. It cleared my bank and did not get posted to my account--they have been investigating, but no one can seem to find my money. It was deposited into a Citi bank account.

by Porter Desmond
Do not apply for this card

I have had this card since 1979 and have made more than the minimum payment on time for years. I realized that I did not receive my statement in a timely manner last month and immediately called the company to let them know. The representative told me they were sending out a new statement and "everything was fine". Before I even received the new statement they put a block on my card. The "option" they gave me was to give them access to my bank information to make a payment in that manner. There is no way I would give this company access given the the way they messed up.

by Shawn
Credit limits

Be careful if you choose this card,they change the Credit limit on your card whenever they feel like changing it,with out you knowing. I do not think this is a card I would choose again and I am a really good card holder with them

by Loyal customer
Great Card and Company

I have had the sears card forever. The rewards are great, I get gift cards to use every Christmas, I get store specials and great offers. I have been a very happy customer for 20+ years and Sears is my #1 card.

by A.J.
Don't Apply For These Citi Cards - Usury Rates

This is a horrible high interest credit card. I've had my account for 17 years predating when Sears sold their card program to Citi. 26.5% annual APR on a Platinum card with an $11,000 limit. I have paid more interest in the first 2 months of this year than on a car loan 4 times the amount in all of 2017. I suggest anyone interested check with a local credit union. These rates are usury rates. I opened a credit card with my credit union last year at an 8.25% APR with a $10,500 limit, 1/3rd the APR of the Citi Platinum Sears Card. My credit rating is excellent and in 17 years I have never had an interest rate decrease on this card.

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