
Sears Shop Your Way Mastercard®
in Personal Credit Cards from Citibank
Would you recommend Sears Shop Your Way Mastercard® to your friends?
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.
- 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 $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
The Good | The Bad |
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Does Sears credit card have a cash back or rewards program?
Sears credit card is a rewards card.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | 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:
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 .
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.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - Visit Site
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Feature Breakdown
Eligible In-Store Purchases | 2% |
Every Purchase (Points) | 1% on all eligible purchases |
Sears Shop Your Way Mastercard® Community Reviews
Would you recommend Sears Shop Your Way Mastercard® to your friends?
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