Sears Credit Card Review

Is a Sears credit card right for you? With all the problems Sears has had recently, can you still get savings and rewards from the chain retailer? Find out the answers to these and more!

Customers who are loyal to Sears brands love to save on their favorites. The Sears Card doesn’t charge an annual fee, and applicants are automatically enrolled in the Shop Your Way Rewards program upon approval. There’s also a store-branded Mastercard available from Sears for shoppers with a better credit score who like the idea of being able to use the card to shop anywhere and earn rewards. As far as the store card is concerned, you can get the card with “Fair” credit.

With the Sears card, consumers get rewards on more than just Sears items. Customers can use either card at Sears,, Kmart,, and Lands' End products inside Sears stores. Customers like the Shop Your Way Rewards. The Sears card or the Sears Mastercard, along with Sears' targeted promotions, can save you significantly on big ticket items.

The Verdict

Sears cards are good if you shop there often and spend a lot. Just when you thought Sears department stores were going kaput, the chain has risen from the ashes to turn a profit, which means now could very well be a good time to apply for a Sears credit card! Recently, US Today reported a profit of $182 million for Sears Holdings. That is a huge turnaround from the $607 million loss Sears showed at the same period last year. Sears stores offer a wide variety of products at affordable prices, from appliances to mattresses and apparel; and with the Sears store-branded credit card, shoppers can enjoy savings at both Sears and Kmart department stores.

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Editorial Note:

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.