
Sears Shop Your Way Mastercard®
Would you recommend Sears Shop Your Way Mastercard® to your friends?
Community Rating | Mostly not recommended |
Purchase APR (Variable APR) |
27.49% (Verified 08/04/2023) |
Balance Transfer APR (Variable APR) |
27.49% (Verified 08/04/2023) |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
Number of Reviews | 11 |
Sears Shop Your Way Mastercard® Review
This is a store rewards card issued by Citi®. If you're wondering whether Sears credit card is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $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 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.
- 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 $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Sears credit card
The Good | The Bad |
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Sears credit card FAQ
Does Sears credit card have a cash back or rewards program?
Sears credit card is a rewards card.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | $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. 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?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $ |
Initial Program Fee | $ |
Foreign Transaction Fee | 3% |
Returned Payment Fee | $ |
Late Payment Fee | Starting at $40 up to $ |
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.
What is the Sears credit card login page?
You can access the Sears credit card login page 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 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.
Message From Sears credit card
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 USA - (800) 950-5114
- Visit Site
- Email Support
Other Services by Citi®
Other Credit Cards by Citi®
Availability
- Alabama
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Feature Breakdown
Cash Advance Fee Minimum | $5 |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | $5 |
Foreign Currency Transaction Fee | 3% |
No Annual Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $2 |
No Interest Grace Period for Late Payment | 25 days |
Late Fee Amount | Starting at $40 |
Sears Shop Your Way Mastercard® Community Reviews
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