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Sears Credit Card

Your Sears card, your choice

Sears Credit Card

 

Apply and use today, if approved:

  1. Choose your card
  2. Sign in or create an online profile*
  3. Complete your application
  4. If approved, return to Sears and use your new card today

OR

Apply and use later:

  1. Choose your card
  2. Complete your application
  3. If approved, you'll get your card within 14 days
  4. Use your new card in-store or online

 

*Not a Shop Your Way member? Join when you create a sears.com profile. If you apply for a Sears card, your credit application will be pre-filled using your online profile. If you are approved for a Sears card, you understand your new credit card number and contact information will be transferred to Sears. Sears will save your credit card number and contact information in your Sears.com on-line profile which will allow you to make qualifying purchases immediately with your new credit card account. You understand that you may delete this information at any time from your Sears.com profile and if you do, you will not be able to make on-line purchases with this credit card account until you receive your card in the mail.

 

learn more about applying

Sears Card®

Apply for a Sears Card and enjoy savings on your favorite brands with special financing+, special offers, exclusive events and coupons at Sears and Sears.com.

Sears Credit Card

 

Apply and use today, if approved:

  1. Choose your card
  2. Sign in or create an online profile*
  3. Complete your application
  4. If approved, return to Sears and use your new card today

OR

Apply and use later:

  1. Choose your card
  2. Complete your application
  3. If approved, you'll get your card within 14 days
  4. Use your new card in-store or online

 

*Not a Shop Your Way member? Join when you create a sears.com profile. If you apply for a Sears card, your credit application will be pre-filled using your online profile. If you are approved for a Sears card, you understand your new credit card number and contact information will be transferred to Sears. Sears will save your credit card number and contact information in your Sears.com on-line profile which will allow you to make qualifying purchases immediately with your new credit card account. You understand that you may delete this information at any time from your Sears.com profile and if you do, you will not be able to make on-line purchases with this credit card account until you receive your card in the mail.

 

learn more about applying

Sears Mastercard®



Earn $20 back as a statement credit*

Spend $30 on eligible purchases in the first 30 days after you are approved for a new Sears Mastercard® and get $20 back* as a statement credit. Excludes deferred interest and major purchase plan purchases. Valid on new accounts opened 2/1/19 –5/30/19, online applications only.

 

Boost your buying power with more benefits
 

  • Earn More Points

    Earn More Points

    Get extra points at gas stations, restaurants & more with your Sears Mastercard with Shop Your Way. **
  • Financing Options

    Financing Options

    Get special financing+ on select categories at Sears & Kmart.
  • No Annual Fee

    No Annual Fee

    Enjoy the benefits of your Sears card without an annual fee. ++
  • Protection and Security

    Protection & Security

    $0 liability on unauthorized purchases and Citi Identity Theft Solutions.

*$20 Statement Credit Offer:

This offer does not apply to deferred interest or major purchase plan purchases. This promotion is only available to the applicant for use with the Sears Mastercard, is not transferable and is subject to credit approval. You have the opportunity to receive a $20statement credit when eligible purchases totaling $30 or more are made and post to your account within 30 days of account opening. Limit one $20 credit per account. The following types of transactions don’t qualify as eligible purchases: deferred interest transactions or major purchase plan purchases; use of checks that access your Sears Card account; balance transfers; cash advances; travelers checks, foreign currency purchases, money orders, wire transfers and similar cash-like transactions; lottery tickets, gaming chips and similar betting transactions; interest and account fees; unauthorized charges; and items returned for credit. The Sears Mastercard account must be current and open at the time we determine whether you qualify for the statement credit in order to receive the statement credit. Please allow 4-8 weeks after the end of the promotional period for the statement credit to be applied to your account. Limit one new account offer per account valid for online applications only. To make a purchase today at a Sears or Kmart store, bring a photo ID and have an associate complete an account number look-up. Offers are subject to change without notice. Restrictions apply.

ACQUISITION TILA:

**As of 3/1/2019, the APR for purchases (and for the Sears Mastercard®, the APR for balance transfers) is 27.49% and the APR for cash advances is 29.40%. These APRs will vary with the market based on the Prime Rate. The Minimum Interest Charge is $2. The cash advance fee is 5% of each transaction; minimum $5. For the Sears Mastercard, the balance transfer fee is 5% of each transaction, minimum $10, and the transaction fee for foreign purchases is 3% of each purchase transaction in U.S. dollars. See card agreement for details.

*Shop Your Way Additional Category Earn Program For Existing Cardmembers 

 

The Shop Your Way Additional Category Earn Program is not transferable and is subject to credit approval. The Shop Your Way Additional Category Earn Program is subject to the Shop Your Way terms and conditions located at www.shopyourway.com/terms. Your Shop Your Way member number must be linked to your Shop Your Way Mastercard® in order to participate in the Shop Your Way Additional Category Earn Program.

You have the opportunity to earn Shop Your Way points when you use your Shop Your Way Mastercard for eligible purchases. These extra points are inclusive of any base points or Sears base points earned. When extra point offers are combined, total points earned will be less than the combined point totals for each individual offer. Base points mean the 1% back in points described below. Sears base points mean those points awarded as part the standard Shop Your Way program.

You may only earn 5% back on eligible gas station purchases and 3% back in points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 per calendar year and then 1% thereafter. The limit on points that may be earned on eligible gas station, restaurant and grocery store purchases will be reset each December 31st, and eligible purchases made in such categories after that date will again be eligible to earn additional points until the limit is again reached.

5% back in points on eligible gas station purchases, for the first $10,000 (which includes the eligible restaurant and grocery store purchases) per calendar year and then 1% thereafter. (5% back in points equals 4% in extra points and 1% in base points.) Certain Non-Eligible Purchases. You will only earn 1% back in base points, not 5%, for gas purchased at superstores, supermarkets, convenience stores and warehouse clubs or for fuel used for non-automobile purposes.

3% back in points on eligible restaurant (including cafes, bars, lounges and fast food restaurants) and eligible grocery store purchases for the first $10,000 (which includes the eligible gas station purchases) per calendar year and then 1% in base points thereafter. (3% back in points equals 2% in extra points and 1% in base points.) Certain Non-Eligible Purchases. You will only earn 1% in base points, not 3%, for restaurant purchases made at bakeries and certain restaurants/cafes inside department stores, grocery or warehouse clubs, and for grocery purchases made at superstores, convenience stores, gas stations, warehouse clubs, and discount stores.

2% back in points on purchases that are “Qualifying Purchases” under the Shop Your Way Program at Sears (Full Line Stores, Sears Grand), Sears Dealer Stores (Sears Hometown Stores, Sears Outlet Stores, Sears Home Appliance Showrooms, and Sears Hardware), Kmart®, mygofer and Land’s End merchandise within Sears stores. (2% back in points equals 1% in extra points and 1% in Sears base points.)

1% back in points on purchases that are not classified as either Qualifying Purchases or Non-Qualifying Purchases under the Shop Your Way Program and that are made outside of Program Stores or are described above as “Certain Non-eligible Purchases” (“base points”).

No points are awarded or can be redeemed for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare® fees, interest charges and credit card fees. Except as otherwise determined by Transform SR Holding Management LLC in its sole discretion, Members may redeem points on all Program-Eligible Purchases except for purchases from Sears Home Services, purchases of prescriptions, and purchases from Shop Your Way Merchants and other parties designated by Transform SR Holding Management LLC from time to time.

Points will post to your Shop Your Way account within approximately one week after the eligible purchase is made. Points can be redeemed at checkout in-store or online. Exclusions apply. For Point redemption and expiration terms, visit shopyourway.com/terms. Merchants must submit charges under the appropriate merchant code or industry code for you to receive the additional Shop Your Way points. We do not determine whether merchants appropriately identify all transactions you make on your account but we do reserve the right to determine which purchases qualify for points. By accepting Shop Your Way member benefits and offers, you agree to the Shop Your Way terms and conditions available at www.shopyourway.com/terms. The Shop Your Way Program is offered by Transform SR Holding Management LLC. Citibank is not responsible for products or services offered by other companies. To discontinue participation in the Shop Your Way Programs at any time, call Shop Your Way at: (800) 991-8708.

Mastercard® is a registered trademark, and the circles design is a trademark design of Mastercard International Incorporated. Shop Your Way, Inc. is an indirectly wholly owned subsidiary of Transform SR Holding Management LLC. Shop Your Way and related logos, are used with permission of Transform SR Brands LLC. The Shop Your Way Mastercard is issued by Citibank, N.A., pursuant to the license by Mastercard International. Citi and Arc Design is a registered service mark of Citigroup Inc.