Sears Credit Card

From LoveToKnow Creditcards

A Sears credit card can be your ticket to extra savings and an easy shopping experience. If you have this credit card, you are in good company—over 60 million households have at least one Sears card, making Sears the largest supplier of credit services for retail stores.

Sears Credit Card Options

Recognizing that different customers have different needs, Sears offers four different credit cards to help its clientele get the financing they need.

Sears Card

The standard retail card for Sears is, simply put, the Sears Card. This card can be used at Sears department stores and their affiliates like Avis and the Sears Auto Center. When you first open a Sears card account, you usually get a discount on your first purchase, and that purchase may qualify for a low interest rate for the first few months. Cardholders also receive incentives, such as special coupons to be used in conjunction with their card and invitations to private sales. Purchases made with a Sears card are easier to return or exchange since they can be accepted even if you don’t have the receipt.

Sears Gold MasterCard

Carriers of the Sears Gold MasterCard enjoy all the extras and advantages of the Sears Card, as well as the ability to use the card at any retail store, bank, or ATM that accepts MasterCard. If you are looking to consolidate your credit card debt, you can transfer balances from other cards onto your Sears MasterCard, even the balances from other retail stores' credit cards.

Sears Tower

A big feature of the Sears Gold MasterCard is an optional Sears Choice Rewards program. You can earn points based on your purchases and then redeem the points for Sears gift certificates and merchandise, gift cards to your favorite restaurants, plus round-trip airline tickets and other travel rewards with this optional rewards program.

Sears Commercial One Card

Business customers can opt for the Sears Commercial One Card, which has different plans for general companies and property managers. The card makes it easier for business owners to keep track of their monthly purchases and transactions, even if more than one employee uses the card. Card members also enjoy the benefits of the Sears Business Resource Center, which provides tools to help businesses, like human resources information and tax tips. The SBRC also offers product discounts to partner organizations like Pitney Bowes and Compu-Pay.

Sears Home Improvement Account

Large home improvement projects that require installation can put a huge dent in anyone’s pocket. With the Sears Home Improvement Account, you can purchase many home items like vinyl siding, windows, and heating systems and have them installed by Sears professionals while using the card’s low interest payment plans.

Sears Credit Card Extras

Sears offers several add-on programs that make its cards more flexible for the customers’ needs.

Premier Program

The Premier Program provides customers with coupons, discounts, and shopping events not available to the general public, or even most Sears cardholders. Customers are automatically enrolled in the Premier Program when they spend over $600 on a Sears card in a year, but they must continue to spend $600 each year to stay in the program.

AccountCare

AccountCare protects you from having to make payment on your Sears credit card during a family crisis, like a job loss, sickness, or death. If you are out of work or injured for more than six months, your balance of less than $10,000 will be cancelled. The balance will also be cancelled if you die.

AccountCare members are charged a monthly fee of $0.96 for every $100 carried on the card. If you have a $500 balance, you will pay $4.80 for AccountCare protection. There is no fee on months that you don’t carry a balance.

Choice Rewards

Like travel rewards credit cards, this program earns cardholders points that can be redeemed for hotel visits or flights. The points can also be used to earn Sears gift cards.

Applying for a Sears Card

Apply in person at any Sears department store or on the Sears website.


 


Comments

Susan, thank you for sharing your experiences with LoveToKnow readers.

-- Contributed by: Tamsen Butler

David, if you charge items on your Sears credit card and then subsequently lose these items, you will still owe the debt to Sears. Your insurance money should be used to cover the cost of these items, along with the other items lost in the fire.

-- Contributed by: Tamsen Butler

I am very disgusted every time I think of my Sears Credit Card account! I was told by a Customer Service Rep. that if we opened a Sears Gold Mastercard account we could transfer our balance from our Sears Credit Card onto it. After opening the account we were told there is NO balance transfer available with our new card! To make matters worse, our regular Sears account recently upped our interest rate to 25.26%! Highway robbery!! Well, my only option is: 1. pay off our accounts ASAP 2. Never buy anything from Sears ever again (and we have bought over $5000 in the past) 3. I tell everyone to not ever open a Sears credit card account or buy products from Sears. Hope your store goes under for your greediness.

-- Contributed by: Susan Perry
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