Last Updated: 07/28/2025
SuperMoney User Recommendation Score -9
Mostly not recommended11 total votes
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
27.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
27.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Number of Reviews
Sears Shop Your Way Mastercard® Review
This is a store rewards card issued by Citi®. If you're wondering whether Sears Shop Your Way Mastercard® is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $40.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 27.49%
- 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.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Sears credit card
| The Good | The Bad |
|
|
Sears credit card FAQ
Does Sears credit card have a cash back or rewards program?
Sears credit card is a rewards card.
| Description |
Does Sears credit card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $40 .
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?
Sears Shop Your Way Mastercard® 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Sears Shop Your Way Mastercard® has a variable purchase APR of 27.49%. The card has a variable balance transfer APR of 27.49% . It also has a variable cash advance APR of 29.40% .
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee starting at $40. Does Sears credit card have a foreign transaction fee?
Sears credit card charges a foreign transaction fee of up to 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 customer service number for Sears credit card 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.
What is the login page for Sears credit card?
You can access the login page of Sears credit card here.
How do people rate the customer service and user experience of Sears credit card?
Overall, Sears credit card is mostly not 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 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 credit 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 credit card
- Visit the website of Sears credit 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.
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 credit card
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