Sears Card®

Sears Card®

in Personal Credit Cards from Citibank


Sears Card®


in Personal Credit Cards from Citibank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend Sears Card® to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

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

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 & 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 Card® reports to multiple credit bureaus.
  • Card can only be used at Sears or
  • 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 benefits.
Sears Card® FAQ

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:

  • 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
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Sears Card®?

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.

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: 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.


  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
  • Non-Military
  • Veterans
  • Military Dependent
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
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits Fraud Liability
Cash Advance APR (Variable APR) Up to 29.15%
Purchase APR (Variable APR) Up to 27.24%
Card Type Store Card
Card Network None

Be the first to rate


Would you recommend Sears Card® to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)



-100% 0% +100%
No one recommends Everyone recommends

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.

Other Personal Credit Cards

Citibank Personal Credit Cards