Sears Card® Review

Sears Card® is a store credit card issued by Citibank. If you're wondering whether Sears Card® is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

Sears Card® Pros and Cons:

Is there a Sears Card® cash back or rewards program?

No, Sears Card® does not offer a rewards program.

What are the Sears Card® benefits?

Sears Card® provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Sears Card®?

What are the Sears Card® fees?

The following fees apply to Sears Card®:

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

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

• Equifax
• Experian
• Transunion

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

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.