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  Sears Card®

Sears Card®

in Personal Credit Cards from Citibank

Unaffiliated

Sears Card®

Unaffiliated

in Personal Credit Cards from Citibank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee N/A
Purchase APR  (Variable APR) Up to 27.24%

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:

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
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

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®?

Sears Card® has a variable purchase APR of up to 27.24%.

The card has a variable cash advance APR of up to 29.15%.

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

No, Sears Card® does not come with an introductory APR offer for balance transfers.

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

Sears Card® does not offer an introductory rate on new purchases.
Sears Card® Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the Sears Card® fees?

The following fees apply to Sears Card®:

Sears Card® Fees
Fees Amount
Annual Fee
Late Payment Fee up to $39

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.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • 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 Interest Charge $2
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Card Type Store Card
Card Network None
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits Fraud Liability
Cash Advance APR (Variable APR) Up to 29.15%
Purchase APR (Variable APR) Up to 27.24%

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