Sears Card®

  • Save more at Sears and Kmart - Enjoy savings on your favorite brands with special financing1, special offers, exclusive events and coupons.
  • Special Financing* on select products, from home appliances and electronics to fitness equipment, tools and automotive items
  • Account Protection: $0 Fraud Liability on Unauthorized Purchases and Citi Identity Theft Resolution Services
  • Exclusive Savings: Monthly deals and special offers in-store or online at sears.com/credit, plus cardmember events, coupons and the opportunity to earn additional Shop Your Way® points when you enroll and use your Sears Card®*
  • Easy Card Management: Pay bills 24/7 through your Account Online or by mail. Check balances, available credit, payment information and more online or by phone
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit Personal $0* N/A* N/A* 27.24%* None


Quick Summary:
This Store offer is issued by Citibank. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. 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 is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.

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 675 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 Card® 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.

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

Approval Rate:
There were 11 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 64% of those applicants were approved.

The approval rate for this card is average. Furthermore, if your FICO score is close to or higher than 675, 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:
Based on community reviews, we found that 56% of 9 users recommend this card.

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