Sears Credit Card Application

Looking for instructions to apply for a Sears Credit Card? The application process is easy as you just need to visit the Citi bank’s website and provide the requested information. Sears is a U.S based departmental store that offers the credit card to its loyal customers. Obtaining the credit card you will find an easier way to shop at Sears and enjoy saving more.

Here you can find Sears Credit Card Reviews which will help you decide whether the credit card is appropriate for you. If you find the credit card handy you can simply apply using the easy guidelines below.

Sears Credit Card Reviews

The credit card serviced by Citi Bank is great for the frequent shoppers at Kmart and Sears. Using the card you can finance your daily purchases as well as make use of the amazing saving schemes. Moreover, you can shop online through the credit card and earn exclusive discount offers and reward points. Read on to find a detailed review of the Sears Credit Card.

  • The credit card does not charge an annual fee for usage
  • The APR rate is 26.24 which is variable
  • 3% foreign transaction fee
  • $10 or $5 whichever is greater is charges while balance transfers
  • Smart chip-enabled
  • There is no max over limit fee on the credit card usage


The credit card is a must for people who are frequent shoppers at Sears and Kmart stores. You can enjoy tons of benefits and easy finance options with the card.


Sears Credit Card lacks bonus offers and has a high foreign transaction fee. If you rare shopper at Kmart and Sears do not go for this credit card.

Benefits of the Sears Credit Card

Before you apply for the Sears Credit Card it is important to have a glance at its Reward features.

  • Enjoy special financing on home appliances, fitness products, automotive items and more at Sears’s physical locations and
  • Enhanced Citi Theft identity resolution services and $ 0 fraud liability
  • Easy 24×7 online account management services. You can easily manage your credit card account from the comfort of your home anytime and anywhere.
  • Earn a 2% cash back in the form of reward points on all eligible purchases.
  • Easily redeem the earned points at Sears, Kmart, and
  • Receive a $10 statement of credit on spending $1500 in the first 90 days of credit card activation.

How to Apply For Sears Credit Card

Step 1– To obtain the Sears Credit Card the applicant is required to open the application webpage of the Citi bank.

Step 2– Fill the personal information section by providing the following information:

  • Your Name
  • Email Address
  • Phone Number
  • Financial Information that includes the residence payment, status and income
  • Identification Information
  • Identification details that involves your social security number
  • Date of Birth

Sears Credit Card Application

Step 3– Next you will find the account terms and details section. It is highly recommended that you read the crucial information related to procedures for opening a new account.

Sears Credit Card Apply

Step 4– Once you have read the terms and conditions, check the box below and click on the button labeled ‘Submit Application’.

Sears Credit Card Online Application


What bank does Sears use for credit card?

With exclusive savings and special financing, the Sears credit card through Citibank offers consumers valuable incentives to conquer their shopping lists while saving money. For those who want to reap the benefits of the Sears card and earn rewards on top, a Sears Mastercard from Citibank is also available.

Does Sears have a credit card?

Sears Rewards & Benefits For the Sears Card and Sears MasterCard, new applicants have two options: get $10 off when approved and a purchase is made that day, or six months of special financing on purchases made that day. Both credit cards also have a variety of credit offers.

Is it hard to get Sears credit card?

Unfortunately there is no way to get pre-qualified for a Sears Store Card. It requires at least fair credit, which is a credit score of 640+, so it's not very hard to get.

What is a Sears MasterCard?

About the card The Sears MasterCard is the superior option (as compared to the Sears Credit Card) available for frequent shoppers of Sears or Kmart. In addition to being invited to cardholder-exclusive shopping events, you'll earn points that can be redeemed on purchases at the two retailers.

Can you use your Sears credit card at Kmart?

The Sears Card can only be used at Sears locations and services, as well as Kmart. This includes Sears Auto Centers, Sears Dental, and Sears Optical. The Sears MasterCard can be used anywhere MasterCard is accepted, which is pretty much everywhere.

How do I apply for a Sears credit card?

How to Get Your Sears Credit Card Application ApprovedChoose Your Method of Application. You can apply for a Sears Citi credit card or Sears Mastercard online or in person at a Sears or Kmart store. ... Review the Terms and Conditions. The terms and conditions are located at the bottom of the online application form. ... Complete the Credit Card Application. ... Wait for Approval.Nov 10, › credit-cards › retail › how-sears-credit-card-...How to Get Your Sears Credit Card Application Approved › credit-cards › retail › how-sears-credit-card-...

Can you still use a Sears credit card?

The Sears credit card is issued and managed by Citibank. Further, if your Sears card is a MasterCard, you will be able to continue to use at other merchants it even if Sears goes out of business. If you have a balance on your account, you will continue to make payments to Citi, just as you have for years.

What credit score do you need to get a Kmart credit card?

Approval Requirements & Application The average user reports needing at least a "fair" credit rating to be approved, which is typically a credit score above 650.