Sears Mastercard®

  • 5 points per dollar on gas
  • 3 points per dollar on restaurants and groceries
  • $10,000 combined yearly purchase limit on 5% and 3% bonus categories
  • 2 points per dollar on eligible purchases at Sears and Kmart
  • 1 point per dollar on other purchases
  • $20 statement credit if you spend $30 in first 30 days
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Above Average Credit, Fair Credit Personal $0* N/A* N/A* 27.24%* Store Specific


Quick Summary:
This is a Mastercard rewards card, issued by Citibank. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with an above average credit history. Rates may vary among applicants, however the lowest standard APR is 27.24%* (Variable)*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases, according to the offer details.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid or limited credit record, with no recent negative marks on their report. A FICO credit score of 657 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Citibank product.

Other Basics:
The grace period listed for the Sears Mastercard® is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit).

Other Remarks:

*$20 Statement Credit Offer: This offer does not apply to deferred interest or major purchase plan purchases. This promotion is only available to the applicant for use with the Sears Mastercard, is not transferable and is subject to credit approval. You have the opportunity to receive a $20 statement credit when eligible purchases totaling $30 or more are made and post to your account within 30 days of account opening. Limit one $20 credit per account. The following types of transactions don’t qualify as eligible purchases: deferred interest transactions or major purchase plan purchases, use of checks that access your Sears Card account; balance transfers; cash advances; travelers checks, foreign currency purchases, money orders, wire transfers and similar cash-like transactions; lottery tickets, gaming chips and similar betting transactions; interest and account fees; unauthorized charges; and items returned for credit. The Sears Mastercard account must be current and open at the time we determine whether you qualify for the statement credit in order to receive the statement credit. Please allow 4-8 weeks after the end of the promotional period for the statement credit to be added to your account. Limit one new account offer per account, valid for online applications only.



Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 657, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
There are no reviews. If you have experience, you can write one now.
It's fast and easy to compare card offers by the criteria you require. That way you get the best card for your needs. Find more credit cards.