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.
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, online at Sears.com, or over the phone at 1-877-319-7904.
Learn More
Comments
Theresa,
You might want to call the customer service number and ask to speak to a supervisor. You want to make sure that your credit bureau was only notified of the issuance of one credit card.
Thanks for your question.
-- Contributed by: SusanWeberI applied for a was approved for a sears "option" card- I believe thats what it was called- I am 3 months down the road- 4 phone calls later and still have never received my card! Each time I have called I have been told that my card was never sent out but now i should get it in 4-6 weeks- wow I cant believe I am having this much trouble- all I want to do is establish some credit! Theresa
-- Contributed by: TheresaKyleyiu,
You can cancel the Sears credit card by calling the telephone number on your statement.
Thanks for your question.
-- Contributed by: SusanWeberThis page has been accessed 23,494 times. This page was last modified 01:10, 2 November 2008.
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