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The Sears MasterCard is a rewards card offered through Citi® Bank. The card comes with the Citi® Bank fraud protection program. The card offers a unique feature that allows you to get your credit score.
- No Payments/Interest for 12 months
- Sears Choice Rewards Program
- Variable APR
- Credit Score Access
No Payments/ No Interest Offer
This offer applies to electronics purchases over $399 after discounts and coupons are applied. The purchase has to be paid in full within 12 months. This offer is not valid with Sears Commercial One and Sears Home Improvement Account Accounts. This is a deferred interest option, which means if you don’t pay off the balance in 12 months the interest accrues and will be added to your account. This can also take place if you default on your account.
Sears Card APR’s
Your APRs may vary each billing based on changes to the prime rate. The purchase APR equals the Prime Rate plus 17.15%. The cash access APR equals the Prime Rate plus 18.15%. The default APR equals the Prime Rate plus up to 22.15%.
If you default under any card agreement you have with us because you do not make the minimum payment when due, go over the credit line, or make a payment to us that is not honored, all your APRs may automatically increase to the default APR. We set your default APR by reviewing (1) the seriousness of your default with us and (2) your credit history.
Sears Choice Rewards
You earn points for eligible dollars spent and charged to your Sears MasterCard card. Everyday purchases gasoline, groceries, and drugstore items, plus all of your Sears and Kmart purchases,will earn you points. Once you reach 2,500 points you can start redeeming them. You can redeem for travel discounts beginning at 10,000 Points and redeem 25,000 Points for one round-trip coach ticket
Credit Score Access
As of October 22, 2009 Sears extended to all its card holders the ability to access their TransUnion Transrisk score at no additional cost. This is a secure was to find out your credit score and manage your credit. Each month, the credit score will be updated for all enrolled Sears Cardholders. To view your personalized score and details, you just login to SearsCreditScore.com. As a convenience, you can sign up for monthly email update notifications. This program does not count as an inquiry that will lower your score.
You can use the credit report card to understand credit scores and reports. You will learn how the various credit report metrics correlate to your credit score. The five key metrics that affect your credit score are graded on a simple A-F letter grade scale. Improving one or more of your credit grades is an easy way to protect your credit and financial health.
You can receive a new credit score every 30 days. The interactive tools and credit simulators will give you a better understanding of how to get the most from your credit. Since credit scores can be difficult to understand the credit score simulator will show you how your credit score could change based on 14 common financial activities. In addition, this service will track your score over time so you can see the impact of your ordinary actions on your credit score.
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