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  Sears Card®
Sears Card® Unaffiliated

Sears Card®

Unaffiliated
Net Recommendation Score +33  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +33, equating to 3.7 on a 5 point rating scale.

+33

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

2 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR 25.24%
Balance Transfer APR 25.24%
Credit Score Range 650 - 850
Annual Fee N/A

Sears Card® Review

This is a credit card issued by Citibank. If you're wondering whether Sears Card® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.24%
  • 5% Balance transfer fee. Sears Card® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Sears Card®
The Good The Bad
  • 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 Card® reports to multiple credit bureaus.
  • Card can only be used at Sears or Sears.com
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 5% balance transfer fee.
  • Does not include many credit card benefits.
Sears Card® FAQ

Does Sears Card® have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Sears Card® benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Sears Card®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Sears Card® has a variable purchase APR of 25.24%. The card has a variable balance transfer APR of 25.24% . It also has a variable cash advance APR of 27.15% .

Does Sears Card® have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Sears Card® have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Sears Card®?

The following fees apply:

Sears Card® Fees
Fees Amount
Annual Fee
Returned Payment Fee up to $35
Late Payment Fee up to $35

What is the support contact email for Sears Card®?

The support contact email for Sears Card® is customer.help@citi.com.

What is the Sears Card® login page?

You can access the Sears Card® login page here.

How do people rate the customer service and user experience of Sears Card®?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Sears Card® report your account activity to credit bureaus?

Yes, Sears Card® reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Sears Card®

  • Visit the Sears Card® website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) Starting at $5
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Cash Advance APR 27.15%
Balance Computation Daily Balance (including current transactions).
Purchase APR 25.24%
Balance Transfer APR 25.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Store Card
Card Network None

Sears Card® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +33, equating to 3.7 on a 5 point rating scale.

+33

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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