Tuesday, March 28, 2023

How To Apply For Sears Credit Card

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Sears Credit Card Login Information

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Cardholders can use the Sears Citibank online platform for managing their credit card account. If youve been approved for a card, youll first have to register it and create your account. After the initial registration, you can simply log in to your account with your ID and password. Within the online platform, you can view billing statements, track your account activity, make payments, activate alerts, receive exclusive offers, and more.

How To Apply For Sears Credit Card

If Sears is one of your favorite stores, so you better apply for a sears credit card. After applying for this card you will get many discounts and bonuses. Sears MasterCard has features of Sears Point, You earn it for every 1 dollar spent.

Apply for a Sears Credit Card

The first step of applying for a Sears Credit Card is to choose exactly which Credit Card do you need. Maybe you dont know. It is not a problem, just apply for it and if it will be approved you will get the most appropriate card. I would advise you to get a Sears Mastercard.

The next step is to apply it at the Sears Stores. The Clerk will get an application right from you and may you get a reply quickly. If you are approved that is great, so now you can use your Credit Card, but if not there will be an instant answer with an explaining letter why your application was rejected. Sometimes the system for Credit decision is down, maybe you do not get a decision quickly.

If you do not like standing in front of Clerks and wait for them you can do it at home. Just fill out a Sears Credit Card Application and send it to Sears. This is also a good option but it takes longer than going to Sears Stores on your foot.

The best choice is to apply online on a Citibank site. With this method, you apply in a bank and not in Sears. Be careful. You should choose the correct Credit Card. This time your application will be approved by Citibank and not by Sears. The Citibank website is a secure and safe one.

Benefits Of Using Sear Credit Cards:

You will enjoy amazing benefits of using the Sear Credit Card. Such as:

  • You can have monthly savings and coupons, special financing offers.
  • there is a temporary shopping pass at Sears and Kmart if you forget your card at home.
  • There is $0 liability on unauthorized purchases.
  • try to manage your account online. You can easily view your balance, statement, payment due date, and transactions.
  • There is special financing offers every day. You will receive them online or in your e-mail inbox.

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Alternative Rewards Credit Cards

As you can probably already tell from the post thus far, were not big fans of the Sears cards. Unless youre a VERY loyal Sears or Kmart shopper, there are likely far better options out there.

For example, below are cash-back credit cards;that would earn you more than the Sears credit cards.

Plus, many are , whereas the Sears cards have sky-high APR rates.

Learn More
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • Annual Fee: $0

Must Reads: For more info on the Chase Freedom Unlimited, see our thoughts on its benefits and our full review.

Alternatively, if youre a traveler or are looking to travel more, then consider the Chase Sapphire Preferred® Card, which is one of the most popular;travel rewards cards out there.

Youll earn 1 point per $1 spent on all everyday purchases and 2 points per $1 spent on ALL dining and travel purchases.

Bottom Line: For all of our recommendations, check out our guide to the best credit cards for department stores.

The Main Features Of Sears Credit Card

How to Apply to Sears Credit Card
  • You earn Shop Your Way® points in more places for 12 months after account opening.
  • No annual fee
  • Special savings and financial offers
  • Annual interest for purchases is 26.74%. APR will vary depending on the market
  • The cash advance APR is 28.65%.
  • The Cash Advance Fee can be either 5 and 5% of the amount of each cash advance, depending on which amount is higher.
  • Late payment up is to 38 USD
  • Returned Payment fee is up to 38 USD
  • You get a $20 intro bonus Statement Credit when you spend $30;on;eligible purchases within the first 30 days after you are approved for the new Sears Mastercard.
  • You get 5% in points on eligible purchases at gas stations on the first $10,000 of combined gas, grocery and restaurant purchases and 1% then
  • Receive 3% in points on eligible purchases at grocery stores & restaurants on the first $10,000 of combined gas, grocery and restaurant purchases and 1% then
  • Receive 2% in points on eligible purchases at Sears & Kmart
  • You get 1% in points on all other eligible purchases

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Understanding The Shop Your Way Program

First up is the Shop Your Way program from the Sears credit card. Its unique, and one huge reason why Sears has such a loyal customer base. Sears rewards points act as your virtual currency. Shop at The Great Indoors, Kmart, Sears, My Gofer or Landers End and earn 10 base points for every $1. When you earn 1,000 points, youll earn $1 to redeem.

Important: Know When Your Shop Your Way Reward Points Expire

Youll earn points every single time you shop with your Sears card. They can take up to a week to appear in your account. Once you earn your points, you have one year to redeem Sears points. If you dont use them within a year, the points will expire. Sears will send you a notification before they expire. So this will allow you to use them up.

Additionally, any Sears reward points you earn from special offers expire before a year. Youll get an online account where you can view your points. You want to check this account often for Sears reward points expiration dates. When you have a group of Sears reward points that expire at different times, the online app is extremely valuable.

To find your point information, start by logging into your account. Navigate to your Account History page and check your points. You can also click on your username in the upper right-hand corner of the app. Then click on the My Orders tab to view your points.

How The Sears Store Credit Works

The most basic level of the Shop Your Way credit card available is the Sears Card, which customers can use in-store at Sears and Kmart, or online. Sears also offers the Sears “Shop Your Way” MasterCard, which customers can use to purchase items anywhere MasterCard is accepted.

The third option for store credit is the Sears Home Improvement Account, which is ideal for customers who purchase large installed home improvement items. This card can only be used to purchase items such as heating and air conditioning, windows, vinyl siding, kitchen remodels, or cabinets.

Cardholders can use this card to finance purchases with the Sears Home Services division, which also assists with the installation and maintenance of these large purchases. For example, customers looking to improve their homes’ flooring can get both the material and installation completed with the Sears Home Services group. To begin, there is a five- to 10-minute call and then an in-home consultation.

Customers can apply for one of these credit cards online or at a Sears or Kmart location. Applicants must provide personal information so Citibank can check and approve the applicant based on a . For the Sears Home Improvement Account, applicants can get more information from the store or call Sears Home Services at 1-800-469-4663. Once a purchase is made in-store, Sears Home Services will work with the cardholder to develop the length and terms of repayment.

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Better 0 Percent Introductory Offers

If you think youll struggle to pay off your purchase within a specific period, you should consider other credit cards. Citi Simplicity could be a good option for you as it offers 0 percent introductory APR for balance transfers and purchases for 21 months.

The Blue Cash Preferred Card from American Express is also a better option as it comes with a 0 percent introductory APR on balance transfers and purchases for 12 months. Both these cards start at a lower APR than Sears credit cards after the introductory period, which will save you money in case you cant pay down your balance in full on time.

When it comes to special interest and financing options, there are clearly better options for you than the Sears credit cards.

Fresh Application Sears Credit Card

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Spend your points save money on millions of itemsincluding things like gas groceries dining out. Both cards feature no annual fee and you can apply for a sears citi credit card or sears mastercard online or in person at a sears or kmart store.

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Also Check: Www.macys.com/paybill

Sears Credit Card Login Application And Payments Guide

An enterprise that is dealing in merchandise right from baby products, home appliances, automotive services to electronics, yes it is Sears, which has become a household name. Considering the big business of products which searscard.com, is dealing with,it feels great to use Sears credit card, especially as you happen to look forward to a big purchase.As one of the leading merchandise retailers, it has been in existence for more than 100 years.;

Likewise, you equally need to be aware of its pros and cons which you will check in the below post:-

Sears has the following cards which are issued by Citibank

  • The Sears card
  • Sears Mastercard

Benefits associated with Sears Mastercard

While undergoing for sears credit card application, as a shopper, it is advisable to opt for Sears MasterCard, as increasing numbers of stores accept it. Additionally, like with any esteemed entity, you naturally want to benefit with awesome rewards, likewise, you can equally get hold of the same. Yes, it has various rewards for loyal customers like including one time benefits or more especially, discounts, etc.;

So, as a cardholder, your next step would be to activate it for use in the online world. As per the technical aspect, Clickbank activates the card and it is devoid of any hassle. Lets now take a look at the process in the below post:-

There are the following things you will need with regards to the application process:-

What Your Points Are Worth

Now that you know all about earning rewards, what are they worth?

Shop Your Way Rewards members generally earn 10 points per $1 spent;.

Within the program, 1,000 points is equal to $1 in value.;;

As a rewards member earns, points are automatically stored in the members account, and the balance can be accessed at any time via the online platform or mobile app.

Rewards arent issued in any form of a certificate, but instead your monetary value earned is available to apply at the checkout process through the online platform, or in-store by providing your member number, email, or phone number.

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How To Complete A Sears Credit Card Application Online

You can complete a Sears credit card application online quickly.

  • To get started, visit searscard.com. Click Credit Card and click Apply Now.
  • On the next page, select whether youd like to apply for the Sears store card or for the Sears Mastercard. The process is the same for both.
  • Under the card you choose, click Apply & Use Today.
  • Sign into your Sears Shop Your Way account. If you dont have a Shop Your Way account, click the blue link saying Join for free and follow the prompts to sign up for an account.
  • Once youve signed up, enter your email and password and click Sign In.
  • Follow the prompts to complete the Sears card apply process.

    How To Activate Sears Mastercard

    How to Apply to Sears Credit Card

    Based on the above-mentioned steps, you now have an account.;

    During the process of application, your credit report will become the basis for you to qualify. Such as your income and how much of a debt is there in the credit report. Through Sears Credit Card as well as Sears Mastercard, you will be able to have loads of reasons to shop and pay sears credit card online at Sears or Kmart.;

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    Benefits And Features Of A Sears Credit Card

    Among many benefits that you enjoy when you use this card, one is 5% cashback when you fill up at eligible gas stations. Also, when you eat out at restaurants, you get 3% back in the form of points. The same applies to all grocery store shopping that you make with the card.

    This, however, is capped at $10,000 per year and after that, the rewards are reduced to around 1%. This is in addition to the grace period of 25 days that is given when your account is approved by the issuer.

    Review: Sears Credit Card

    • The Sears Citi Mastercard is currently offering 5% in points on eligible purchases at gas stations and 3% in points on eligible purchases at grocery stores & restaurants on the first $10,000 of combined gas, grocery, and restaurants purchases, and 1% thereafter. You will also earn 2% in points on eligible purchases at Sears and Kmart, plus 1% in points on all other eligible purchases. You will receive a $40;statement credit after spending $50;in the first 30 days of card membership. This is a rather steep requirement when a lot of other cards ask for a similar amount of spending, but usually in 90 days.
    • 0% intro rate could be a costly mirage. The Sears Credit Card offers 0% for 12 months;on certain purchases, depending on the type of item and how much it costs. But all you really need to know is your 0% intro rate will vanish and the cards high regular APR will retroactively apply to the entire original purchase amount if youre late with a monthly bill payment or your balance isnt gone by the end of the intro period.
    • Very high regular APR. Just to put the Sears Cards regular APR into context, the average credit cards for people with good and excellent credit charge 13.07% and 19.49%, respectively. And thats just what the Sears Card requires for approval: good or excellent credit.

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    How Do You Earn Sears Reward Points And Where Can You Spend Them

    You can earn Shop Your Way rewards points by first shopping at the stores we mentioned earlier. If youre shopping in person, give your phone number, Member number or email at checkout. Theyll add your points to your account. If you shop online, you can add your Member number to your profile or add it at checkout.

    You can also earn points on layaway. Just provide your Shop Your Way information when you set up the initial layaway. Youll get your points when you make your final payment.

    Do you use the Kmart pharmacy? If so, you can earn 500 points for every qualified prescription you fill or refill. However, they are restrictions to using the Kmart pharmacy. Prescriptions paid for by the state or Federal government arent eligible. Prescriptions you buy in AL, AR, MA, MS, NJ, and NY also arent eligible. Controlled substance prescriptions bought in LA also arent eligible.

    How To Make An Online Sears Credit Card Payment


    You can submit your payment using the online portal.;First, you will need to register your;Sears credit card. To do so:

  • Go to the;login page for your Sears credit card;or Shop Your Way Mastercard.
  • Enter your card number and select Continue to;set up a user ID and password.
  • Once your registration is complete, you can sign in at the login page to process your online payment. Make sure you have your checking account information and bank routing number handy to complete the transaction.

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    Upgrading To The Mastercard

    Weve had some reports of people getting a notice from Sears that theyll be upgraded from the regular store card to the Mastercard version.

    As far as we know, there is no way to opt out of this upgrade. If you dont want the Mastercard, you could consider closing the account, but make sure you understand the impact that will have on your credit scores.

    If youre looking for a better overall rewards card, check out our top picks for cash back credit cards.

    Activate Sears Credit Card Through The Phone

    Now, to activate Sears credit card through phone, you will firstly need to call on their card activation number. You can find this number on the back of your Sears credit card. This will be a totally free call, so you need not worry about the cost incurred.

    There, in order to activate Sears credit card, you will get a recorded message, or you will talk to customer service representatives. You will have to tell them your information such as your Sears Card number social security number and date of birth.

    This information will be expressed by simply typing it in the phone dial pad. Hence this is how you can activate Sears credit card through phone.

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