The Sears MasterCard® is a rewards cards offered through Citi® Bank designed for to meet the needs of those that shop at Sears. As a cardmember you will be eligible for onthly savings and valuable coupons. This card can be used anywhere MasterCard debit is accepted. The card comes with the Citi® Bank fraud protection program and the card offers a unique feature that allows you to get your credit score. Currently, you can only apply for this card in a Sears store location.
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Categories: Citi | Excellent Credit | MasterCard | Rewards Card | 0% Offer
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%.
Rewards Program
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.
Additional Sears Rewards MasterCard® Details
- $0 Liability on unauthorized purchases
- Additional users at no extra cost
- Returns without a receipt
- Temporary shopping pass if you forget your card
- Use your card at Sears, Kmart, Sears.com, Kmart.com, Lands End, The Great Indoors and more
- Citi Identity Theft Solutions
- Comprehensive optional protection available to Sears cardmembers: AccountCare
How to Apply for the Sears Rewards MasterCard®
At this time you can only apply for the Sears Rewards MasterCard® in a store location. You can visit the official Sears Rewards MasterCard® website for more details.
I made a large purchase at Sears in Watertown Sd on 10/13/11 and as of today I have not received points for that purchase and I am a member of the double your points program. I would like to know when these points are going to be added to my account. Also I would like to know what a credit limit is on an account with a credit rating that is excellent.
Betty – The best thing for you to do would be to contact Sears credit card services directly. The number you need to call should be listed on the back of your credit card.
I need to talk to a customer service tech, I had a breakin at my home and some items that was purchased on my sears mastercard was stolen and I need a statement for that purchase in 2010 I don’t have my reciepts.Thanks!
Willie,
Here is the general number for Sears MasterCard 1-800-669-8488. You can also call the number on the back of your credit card to speak with customer service. Hope this helps!