SuperMoney
  Sears Shop Your Way Mastercard®

Sears Shop Your Way Mastercard®

in Personal Credit Cards from Citibank

Unaffiliated

Sears Shop Your Way Mastercard®

Unaffiliated

in Personal Credit Cards from Citibank

SuperMoney Net Recommendation Score +67

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

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.

Strongly recommended

5 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 25.24%
Balance Transfer APR  (Variable APR) 25.24%
Credit Score Range 700 - 850
Annual Fee $0
Number of Reviews 6

Sears Shop Your Way Mastercard® Review

This is a store rewards credit card issued by Citibank. If you're wondering whether Sears credit 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.

Key Takeaways
  • Signup bonus. Offers a signup bonus of $40 if you spend $50 within 1 months.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.24%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Sears Shop Your Way Mastercard® 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Sears credit card
The Good The Bad
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Sears Shop Your Way Mastercard® reports to multiple credit bureaus.
  • High interest rates.
  • You may only earn 5% back on eligible gas station purchases and 3% back in points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 per calendar year and then 1% thereafter.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.
  • Does not include many credit card benefits.
Sears credit card FAQ

Does Sears credit card have a cash back or rewards program?

Sears credit card is a rewards card.

Sears credit card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Up to $40
Signup Bonus Spend Requirement $50
Signup Bonus Spend Period (months) 1 months

Does Sears credit card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $40 after spending $50.

Does Sears credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Sears credit card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Sears credit 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% .

Does Sears credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Sears credit 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 credit card?

The following fees apply:

Sears credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Sears credit card have a foreign transaction fee?

Sears credit card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Sears credit card?

The Sears credit card customer service number is (800) 950-5114.

What is the support contact email for Sears credit card?

The support contact email for Sears credit card is customer.help@citi.com.

How do people rate the customer service and user experience of Sears credit card?

Overall, Sears credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does Sears Shop Your Way Mastercard® report your account activity to credit bureaus?

Yes, Sears Shop Your Way Mastercard® 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 credit card

  • Visit the Sears credit 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.

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...
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.

Message From Sears Shop Your Way Mastercard®

Citi works tirelessly to provide consumers, corporations, governments and institutions with a broad range of financial services and products. We strive to create the best outcomes for our clients and customers with financial ingenuity that leads to solutions that are simple, creative and responsible. We strive to earn and maintain the public's trust by constantly adhering to the highest ethical standards. We ask our colleagues to ensure that their decisions pass three tests: they are in our clients' interests, create economic value, and are always systemically responsible. When we do these things well, we make a positive financial and social impact in the communities we serve and show what a global bank can do.

Enjoy the benefits of your Sears or Shop Your Way credit card without an annual fee. Get special financing on select categories at Sears and Kmart.

Availability

  Available in 50 states and Washington, D.C.
  • 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
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) $5
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • 1x - 5x Points on Gas
  • 1x - 3x Points on Groceries
  • 1x - 3x Points on Restaurants
  • 1x Point on Every Purchase
  • 2x Points on In-Store Eligible Purchases
Signup Bonus $40
Cash Advance APR (Variable APR) 27.15%
Purchase APR (Variable APR) 25.24%
Balance Transfer APR (Variable APR) 25.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Store Card
Card Network Mastercard

Sears Shop Your Way Mastercard® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

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.

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