Info about Sears Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
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Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 12 months, 29.74% (V) APR after that
The Sears Store Credit Card is an average credit card offer for people with fair credit or better. The best things about the Sears Store Card are its $0 annual fee, a minimum credit score requirement around 640, and monthly credit-bureau reporting. These features allow cardholders to build credit inexpensively.
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The easiest way you can apply for the Sears Store Card is online. Applying online is the fastest, most convenient method because you can do it any time, from anywhere. Alternatively, you can apply for this card by visiting any Sears or Kmart store.
Here's how to apply for the Sears Store Card:
Online: To apply online, just visit the Sears Store Cardwebsite. Usually, a decision is made instantly when you apply online. You will need fill in a form with your personal, contact and financial information.
Sears/Kmart store: You can also apply for the Sears Store Card at any Sears or Kmart store location. Simply go to the customer service desk to fill out an application.
Keep in mind that you must have at least fair credit to be considered eligible for the Sears Store Card. However, there are plenty of other things that will impact your chances of being approved for this card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
The Sears Store Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Sears Store Card.
You should note that while your credit score is an important factor, there are plenty of other things...
You need at least fair credit in order to qualify for this card. You can get your credit score for free, full TransUnion credit reports and credit improvement tips, on WalletHub, at https://wallethub.com/join/ .
Yes, if you ever forget your card when you go to Sears, you can get a temporary version to complete your purchase that day as long as you have your I.D. with you. Hope this helps!
Your Sears Store Card minimum payment is equal to the balance owed, if it is less than $25. For balances above $25, Citi, the issuer, charges 1% of the balance due for the billing period plus any interest owed.
Cardholders must also pay any past-due or over-limit amounts and...
The Sears Store Card accepts applicants with fair or better credit. Make sure youcheck your credit score for free on WalletHub before submitting your application, to see if you qualify.
It's hard to say. Most cards in my wallet have "raised" numbers, so it's easier for me to pick them. Maybe you should call them and provide this feedback, but don't worry too much, 'cause as long as your card works, it's obviously not fraud or anything like that.
Share your insights and review the Sears Store Card
5
42%
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22%
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3.8
450 reviews
450 reviews
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Nonya Busy @nonyabusy
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5 Star Rating
There is a Sears right down the street from me, and it is one of the main places that I like to do business at. The best part about this card is that you can make purchases online, and they give you special discounts because of it. When Holiday time comes around, I usually do all of my shopping online, and Sears has this fast and efficient service all of the time. I like to buy major appliances from there, and when I do that, I get 5% off of my transaction. This might not seem like a lot, but in the end it actually does add up.
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5
Shaun Mason @smason2515
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4 Star Rating
While it has been a couple years since I owned one, I had an overall good experience using my Sears card. At the time I was young and so their $500 credit limit they gave me was perfect, it gave me enough to spend on items I needed for the house I was renting at the time but not enough to get into crazy debt with them. From what I heard from other people it was slightly difficult to get approved for the card (I don't know if that's the same now), but I was military and got approved easily. In the end I decided to pay off the balance and cancel the card as I was trying to get rid of all my credit cards. It's a very useful card to have if you're a renter or home owner. Also, due to the varied selection of Sears it's got a wide range of uses.
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Laura Tigra @Leele_chb
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3 Star Rating
I only applied as I was purchasing a dress and the offer brought the price of the dress to almost free. I did not shop at Sears much so I honestly forgotten I applied for the card. I had a nice limit however the interest rate was so high I chose to pay the card off and close the account. After using for Christmas one year, I realized the benefit was not worth the interest that was assessed. I had all the major credit cards and NONE of them charged me that much interest.
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Brenda Thomas @brendat_6
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4 Star Rating
I have previously had a Sears card. It was probably one of the better store cards I have had. I liked being able to make the payment in the store. I’m not sure if they still offer this feature. The interest rate was competitive and incentives were often offered in store. I would recommend getting a Sears Card.
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Anthony Thomas @anthonyt_17
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5 Star Rating
Interesting the indignation from some people in this thread. "It doesn't reward me so I don't wanna use it". Well FYI getting rewards for card use is relatively new thing and it's just credit card companies giving back some of the largess they earn from credit card strikes (fees).
IMHO having at least a Lowe's, Home Depot and a Sears Store card are a MUST if you rent or own a home. Major appliances do fail, many new cars come with low profile tires that are expensive to replace, etc. Great if you have credit cards with high enough credit limits to the things in "life" taking care off and reward points or cash back for it.
However that is not a reason to downgrade it. The card is super useful in other areas; you can use it to rent cars from Budget and buy everything for your new home; the amount of cynicism is amazing. Don't carry a balance! It seems to me people love carrying high balances on their high limit cards; of course a disaster waiting to happen; between jobs and you need brakes to get to an interview...
Use your Capital One Venture or the Sears card no interest for 12 months?
I think I rest my case.
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Andy H @andrewharris345
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2 Star Rating
25.24% APR? Are they serious? So I have to pay in full every single month or face the wrath of the "Sears Interest Collecting Squad". I just have to say that one of the positive aspects was the 0% introductory APR for 12 months. I transferred some debt over to that card so I could pay it off without interest. Worked well for the time being but then the card lost its value. I personally enjoy shopping at Sears, but I don't spend with credit frequently. This card reminds me of a high interest credit card. So make sure to use it rarely.
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Joyce Pryor @joyce.pryor.94
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2 Star Rating
Ridiculous interest rate. I only purchased high end items on my card which is the reason I applied for one, but my goodness the interest rate is unbelievable. I would only use this card if you are able to pay off your balance every month. Especially with high end merchandise, that interest free sounds great but life happens and many times things do not go as planned and if you can't pay off what you purchased by that date like you thought you were going to be able to, that is when having a Sears card is not a plus. All the interest added back on plus the 25% that they add every month. For example, minimum payment $72, interest rate $50. Your card will never get paid off. Just be cautious when applying for this card.
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Christopher Agnew @christopher_agnew_568
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3 Star Rating
Its amazing that Sears has one of the highest interest rates out there. It's not variable, just 25 percent. I stopped using it and just use my Visa. Also, they offer no rewards like Visa.
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Evelina Carrion @evevelina.carrion
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1 Star Rating
I bought some merchandise from Sears with a promotion deal, at the end of the promotion because, there was still a balance Sears charged the full finance interest of the merchandise I bought. no one explained to me that that would happened at the expiration period of the promotion, I was charged on my card 452.00 in one shot which brought my available balance over the credit limit, now I am stuck with 452.00 that I have to pay, sears customers beware!!!!!
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5
Derek Jenson @derek_jenson_14
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4 Star Rating
I signed up for this card, just to save when I bought a fridge. Worked out well, saved close to a hundred bucks. Haven't really used the card overuse, the rewards aren't great, but good for sears purchases. No annual fee, so no reason to not have it if ever needed. Would recommend to others, especially if making a large sears purchase.
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