Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
27.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 08/15/2022)
Credit Score Range
650 - 850
Annual Fee
N/A
Sears Card® Review
This is a store card issued by Citi®. If you're wondering whether Sears Card® is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 27.49%
- A 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 you have a fair credit score or better.
Pros & Cons of Sears Card®
| The Good | The Bad |
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Sears Card® FAQ
Does Sears Card® have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Sears Card®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Sears Card® has a variable purchase APR of 27.49%. Sears Card® does not offer balance transfers.
Does Sears Card® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Sears Card® does not offer 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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
What is the customer service phone number for Sears Card®?
The customer service number for Sears Card® is (800) 950-5114.
What is the support contact email for Sears Card®?
The support contact email for Sears Card® is customer.help@citi.com.
What is the login page for Sears Card®?
You can access the login page of Sears Card® 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 to the following credit bureaus:
- 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 may help build your credit.
Does Citi® perform a hard credit pull?
Yes, Sears Card® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Sears Card®
- Visit the website of Sears Card®.
- 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.
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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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM