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.

Was this helpful?

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


Can't watch the video now? Read the full transcript 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:  
 7 reviews
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.

by David B
Worst card ever

It's too bad these reviews don't come with negative star ratings. My wife has a Sears Mastercard which she bought a new refrigerator with. The monthly payments have all been made on time right down to the last one. However when the last payment was sent in it took them three weeks to post (which I can provide proof) incurring a late charge that I am refusing to pay. My wife is instutionalised in a health care facility and is not competent to make financial decisions on her own. The idiots refuse to talk with me because the account is in her name only and I don't have a legal power of attorney for her. So the late charges keep piling up and eventually I will need to take them to small claims court in order to protect my wife's excellent rating. What a bunch of gnitwits. WORST CREDIT CARD EVER. No wonder Sears is in such financial difficulties.

by Gee
Credit increase

I have been with them a year and a half. Good standings and they wont give me a credit increase. But other crefit cards no problem

Page 1 of 2:

The Insider

Brendan Harkness
Review of the Hilton Honors American Express Business Card
Brendan Harkness | Mar 16, 2018

The Hilton Honors American Express Business Card provides 12X points at Hilton properties, 6X points on select business expenses, and some nice perks.

Read More
John Ganotis
American Express Business Credit Cards and Charge Cards: An Overview
John Ganotis | Mar 13, 2018

In an American Express small business card right for you? Learn about the array of different credit cards and charge cards available from Amex now.

Read More
Brendan Harkness
Review of the Chase Ink Business Preferred Credit Card
Brendan Harkness | Mar 13, 2018

The Chase Ink Business Preferred Credit Card offers 3X points per dollar on certain business expenses, along with a signup bonus of 80,000 points.

Read More