Sears Mastercard®

For People with
Fair Credit



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.

Card Quick Facts

Card Quick Facts

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

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • $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
How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 26.49% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 26.49% Variable
Balance Transfer Fee 5% (Min $10)
Cash Advances

Cash Advances

Cash Advance APR 28.40% Variable
Cash Advance Fee 5% (Min $5)

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

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:  
 13 reviews
by Debra Bolden
Credit to Account

On June 10, 2019 I spoke to a representative clearly stating that I wanted to pay $525.00 on my promotional balance. She accepted my payment and said it would be posted as I requested. The payment was withdrawn from my bank account the next day. Well unfortunately they did not apply it to my promotional balance and a different rep told me that it would go to my regular balance first. So since I had already paid on my account I requested a credit back to my checking account on June 11. They verified with the bank by a customer service manager, and to date June 19, 2019 my credit has posted to my account. I’m extremely upset about this and the fact that I was given conflicting information about this payment. I feel if you can take a payment out in one day it should not take this long to credit a person’s account. This has been a very STRESSFUL situation and I am so disappointed in this company. I can’t wait until my balance is at zero!! I will NEVER do any business with this company unless it is an EMERGENCY!! You need to make sure all of your representatives are giving out the same information and have a quiver turn around to return a consumer’s money. Your customer service, well being of a consumer, and easing your customer’s stress has been EXTREMELY UNACCEPTABLE AND DISAPPOINTING!

by Jimmy
They will sell your information.

Ever since I got this card I have gotten a large number of junk mail and emails from a number of different Companies and scammers. The reason I know it is because of this card is because when they signed up. They added an extra letter to my name that does not belong there and all the junk I get has that extra letter so there's no way to deny it. Stay away from this company and their credit cards.

by Mike

The worst credit card experience I've ever had. Terrible customer service and unethical business practices. Do not be surprised if the details of your account are changed without warning or any type of notification.

by bob
poor choice

fruad prevention is purchase and use prevention. we had this card for 6 years, using it very little until last year. Now we are so fed up with poor service and my spouse treated like chattle. worked through the fraud prevention three times to be able to make purchases, and the last time became they could not use my phone for verification... and we would have to wait three weeks for resolving their problem when tjeee are no signs of fraud. we even took steps to pre alert we were going to make purchases. do not recommend this card.

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.

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