Sears Shop Your Way Mastercard®
in Personal Credit Cards from Citibank
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Would you recommend Sears Shop Your Way Mastercard® to your friends?
| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | Up to 27.24% |
| Balance Transfer APR (Variable APR) | Up to 27.24% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
Sears Shop Your Way Mastercard® Review
Sears Shop Your Way Mastercard® is a store credit card issued by Citibank. 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.
Key Takeaways
- Signup bonus. Offers a signup bonus of $20 if you spend $30.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $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 should probably try with another card if your credit score is below 700.
Sears Shop Your Way Mastercard® Pros & Cons
| The Good | The Bad |
|---|---|
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Sears Shop Your Way Mastercard® FAQ
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.
What are the Sears Shop Your Way Mastercard® benefits?
Sears Shop Your Way Mastercard® provides the following benefits:
- 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 on balance transfers?
No, Sears Shop Your Way Mastercard® does not come with an introductory APR offer for balance transfers.Does Sears Shop Your Way Mastercard® have an introductory APR offer on new purchases?
Sears Shop Your Way Mastercard® does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Sears Shop Your Way Mastercard®?
The following fees apply to Sears Shop Your Way Mastercard®:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
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.
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.
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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.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - Visit Site
Other Services by Citibank
View all personal credit cards offered by Citibank
Availability
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
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | 5% |
| Foreign Currency Transaction Fee | 3% |
| Minimum Interest Charge | $2 |
Sears Shop Your Way Mastercard® Community Reviews
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