Rewards Card Page

Sears Mastercard

Rewards Card Information

Card Benefits

Sears MasterCard Holders Enjoy:

  • Monthly savings and valuable coupons for cardmembers
  • Instant, secure access to cardmembers' credit scores
  • Special financing offers
  • MasterCard exclusive benefits such as purchase assurance and extended warranty coverage

Sears Choice Rewards Program:

  • Earn 1 point for evey $1 spent
  • Exclusive bonus point events
  • Choose from a wide range of valuable rewards including gift cards, merchandise, travel, dining, and more
  • Sign up, track points, and redeem rewards at
  • No membership fee

More Perks:

  • $0 liability on unauthorized purchases
  • Additional users at no extra cost
  • Returns accepted without a receipt
  • Temporary shopping pass if cardholders forget their card
  • Cards may be used at Sears, Kmart,,, Lands End, The Great Indoors and more
  • Citi Identity Theft Solutions
  • Comprehensive optional protection available

Annual Fee ($)


Qualifying Transaction(s) Bonus?


Qualifying Transaction(s) Bonus Info

$15 will be credited to a cardholder's account after the 1st qualifying purchase

  • Purchase must be made same day as account opening in order to receive statement credit

Foreign Transaction(s) Fee (%) in USD


Purchase APR (%)

25.24% (V)

Purchase APR Info

This APR will vary with the market based on the Prime Rate

Min Interest Charge ($)


Max Late Payment Fee ($)


Max Returned Payment Fee ($)


Max Return Check Fee ($)


Balance Transfer Fee (%)


Balance Transfer Fee ($)


Cash Advance APR (%)

27.15% (V)

Cash Advance Fee (%)


Cash Advance Fee ($)


Card FAQ's



Frequently Asked Questions

Sears Card®
Where can I use my Sears Card besides
What services can be conducted over the phone?
Where can I make a payment?

Sears MasterCard®
What makes the Sears MasterCard card different than a Sears Card?
How do I transfer balances to my Sears MasterCard?
What types of balances can I transfer?

Sears Commercial One®
How would a Sears Commercial One account benefit my business?
Will this account help to simplify my record keeping?
If other employees have access to this account, can I keep track of their purchases?
How do I apply for a Sears Commercial One account?

Benefiting from Account Online:
How do I register for Account Online?
What are the benefits of Account Online?
Is there a fee for Account Online?
If I register for Account Online, will I still receive paper statements in the mail?

New Cards
Will a new card automatically be sent to me when my card expires?

Do I have to pay for AccountCare when I don't have a balance on my account?
Does it cost anything additional to have extra coverage for another authorized user?
How can I find out if I am eligible?

Sears Card
Where can I use my Sears Card® besides
You have the flexibility to use your Sears Card® at Sears, Kmart1,, Sears Essentials, Sears Grand, Sears Hardware, Sears Auto Centers, Sears Hometown Stores, Lands' End,, The Great Indoors, and Orchard Supply Hardware (all members of the Sears Holding Company family of companies).

You can also use your Sears Card® at Sears Repair and Product Services, Sears Dental, Sears Portrait Studios, Sears Optical, Sears Flowers, AOL (for monthly provider fees) and Avis.

What services can be conducted over the phone?

  • Balance Inquiries-Account Balance
  • Available Credit
  • Last Payment Amount
  • Last Payment Date
  • Current Minimum Payment Due
  • Payment Due Date
  • Request a Duplicate Statement
  • Request Recent Transaction Information

To locate our phone number, please go to the Contact Us / FAQs tab, or the phone number is listed on the back of your credit card.

Where can I make a payment?

  • A Sears store
  • On the Internet through Account Online
  • By mail. For our payment address, select the Contact Us / FAQs tab. Please indicate your Sears account number on your check to ensure fast and accurate processing.

Back to top

Sears MasterCard® Card
What makes the Sears MasterCard® Card different than a Sears Card®?
The Sears MasterCard® Card offers the same great benefits as a Sears Card®, but it may also be used at millions of locations worldwide. It can also be used for cash advances at thousands of ATM and branch banks all over the world, if your account has a cash advance feature.

How do I transfer balances to my Sears MasterCard Card®?
Simply sign-on to Account Online and select Transfer Balances under the Manage My Account menu, then choose, if an offer is available for your account, Request a Transfer(s) and follow the instructions. Or, when your card arrives, use your home phone to call the number that is provided with your new card. If you qualify for an offer, we'll contact your other lenders and move those balances to your new Sears MasterCard®. Please have the names and addresses of your lenders, your account numbers and your balance amounts ready when you call.

What types of balances can I transfer?
If your account qualifies, you can transfer balances from your bankcards and store credit cards to your Sears MasterCard® account. You can also transfer your auto, student or personal loans. We cannot balance transfer to a checking account, savings account, another person, the IRS, or another account issued by Citibank (South Dakota) N.A. or its affiliates.

Sponsoring Companies

Sponsoring Rewards Programs

Current Promotions

Currently No Information

*Disclaimer: See the online application(s) for details about terms and conditions of all offers. To confirm terms and conditions, click on the "Sign Up" button and review info on the terms page. We expend substantial effort to maintain accurate information. However, all information on the site is presented without warranty.