Sears Card® Review

This is a store credit card issued by Citibank. If you're wondering whether Sears Card® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.24%
• 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.

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 Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Charges a 5% balance transfer fee. Does not include many credit card benefits.

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. It has higher than average regular APRs.

It has a variable purchase APR of 25.24%. The card has a variable balance transfer APR of 25.24% . It also has a variable cash advance APR of 27.15% .

What are the fees for Sears Card®?

The following fees apply:

Sears Card® Fees

Fees	Amount
Annual Fee
Returned Payment Fee	up to $35
Late Payment Fee	up to $35

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.