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:  
 10 reviews
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.

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.

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