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  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

Net Recommendation Score +100% 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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2 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Annual Fee $0
Purchase APR  (Variable APR) Up to 27.24%
Balance Transfer APR  (Variable APR) Up to 27.24%
Credit Score Range 700 - 850

Sears Shop Your Way Mastercard® Review

Sears Shop Your Way Mastercard® is a store credit card issued by Citibank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether Sears Shop Your Way Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Sears Shop Your Way Mastercard®
The Good The Bad
  • Earn a $20 statement credit when you spend $30 on eligible purchases in the first 30 days after you are approved for a new Shop Your Way Mastercard.
  • Get extra points at gas stations, restaurants & more with your Shop Your Way Mastercard®
  • No annual fee.
  • Can use this card anywhere that accepts Mastercard.
  • No annual fee.
  • Sears Shop Your Way Mastercard® reports to multiple credit bureaus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.
  • High interest rates.
  • Is there a Sears Shop Your Way Mastercard® cash back or rewards program?

    No, Sears Shop Your Way Mastercard® does not offer a rewards program.

    Sears Shop Your Way Mastercard® Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) $20
    Signup Bonus Spend Requirement $30

    What are the Sears Shop Your Way Mastercard® 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 Shop Your Way Mastercard®?

    Sears Shop Your Way Mastercard® has a variable purchase APR of up to 27.24%.

    The card has a variable balance transfer APR of up to 27.24%.

    The card has a variable cash advance APR of up to 29.15%.

    Does Sears Shop Your Way Mastercard® have an introductory APR offer?

    Sears Shop Your Way Mastercard® does not offer an introductory rate on new purchases.
    Sears Shop Your Way Mastercard® Balance Transfers
    Description
    Balance Transfer APR Up to 27.24%
    Introductory Rate N/A
    Intro APR period (months) N/A
    Sears Shop Your Way Mastercard® Rates & Terms
    Description
    Balance Computation N/A
    Purchase APR Up to 27.24%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR Up to 29.15%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Sears Shop Your Way Mastercard® fees?

    The following fees apply to Sears Shop Your Way Mastercard®:

    Sears Shop Your Way Mastercard® Fees
    Fees Amount
    Annual Fee $0
    Foreign Transaction Fee 3%
    Balance Transfer Fee 5%
    Minimum Balance Transfer Fee $10

    Does Sears Shop Your Way Mastercard® have a foreign transaction fee?

    Sears Shop Your Way Mastercard® 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 a foreign transaction fee.

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

    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 can help improve your credit score.

    How to apply for Sears Shop Your Way Mastercard®

    • Visit the Sears Shop Your Way Mastercard® 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: 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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
      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

    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Balance Transfer Fee % 5%
    Balance Transfer Fee Minimum $10
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $5
    Foreign Currency Transaction Fee 3%
    Minimum Interest Charge $2
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Card Network
    • Mastercard
    Card Type
    • Store Card
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Credit Card Benefits
    • Fraud Liability
    Fraud Liability  
    Bonus Rewards -Earn $20 Statement Credit When you spend $30 on eligible purchases in the first 30 days after you are approved for a new Shop You Way Mastercard®*. Excludes deferred interest and major purchase plan purchases. Valid on new accounts opened 6/17/19 –9/18/19, online applications only. See terms and conditions. - Get extra points at gas stations, restaurants & more with your Shop Your Way Mastercard®
    Signup Bonus $20
    Cash Advance APR (Variable APR) Up to 29.15%
    Purchase APR (Variable APR) Up to 27.24%
    Balance Transfer APR (Variable APR) Up to 27.24%

    Sears Shop Your Way Mastercard® Community Reviews

     

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