
Sears Card®
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Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) |
27.49% (Verified 08/15/2022) |
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 credit card issued by Citi®. If you're wondering whether Sears Card® is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 27.49%
- 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 |
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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.
What are the Sears Card® benefits?
It provides the following benefits:
- 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 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 27.49%.
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:
Fees | Amount |
---|---|
Annual Fee | |
Returned Payment Fee | up to $0 |
Late Payment Fee | up to $40 |
What is the customer service phone number for Sears Card®?
The Sears Card® customer service number 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 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:
- 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 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.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 USA - (800) 950-5114
- Visit Site
- Email Support
Other Services by Citi®
Availability
- 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 | |
Minimum Interest Charge | $2 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $0 |
Late Fee Amount | Up to $40 |
Sears Card® Community Reviews
Would you recommend Sears Card® to your friends?
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