Sears Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
27.49%
Balance Transfer
27.49%
Rewards
10 - 50 points
Signup Bonus
$20 after spending $30


5/10
Informr score
The Sears Mastercard® currently has an Informr score of 5 out of 10. This score is based on our evaluation of 1 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Sears Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

The Sears Shop your Way MasterCard offers an exceptionally high 5-percent rewards rate on your gas purchases, making it one of the most rewarding gas cards — if you don’t mind spending your rewards at Sears or Kmart.

- Robin Ratcliff, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 27.49%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 27.49%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.4%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $10

Cash Advance Fee 5%

Minimum of $5

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus $20 after spending $30

On purchases within the first 30 days.

Rewards
All Purchases 10 points per $1 spent
Restaurants 30 points per $1 spent (on first $10000 spent)
Gas 50 points per $1 spent (on first $10000 spent)
Groceries 30 points per $1 spent (on first $10000 spent)
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Earn 20 points per $1 spent at Sears & Kmart

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits

- Special financing at Sears and Sears website on select products, from home appliances and electronics to fitness equipment, tools and automotive items.

- Exclusive Savings

Eligibility
Minimum Security Deposit $0
Minimum Age
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


CreditCards.com

Great bonus on gas, groceries and restaurants, with a limit

from CreditCards.com

The Sears Shop your Way MasterCard offers an exceptionally high 5-percent rewards rate on your gas purchases, making it one of the most rewarding gas cards — if you don’t mind spending your rewards at Sears or Kmart.

Read full review

The Sears Shop your Way MasterCard offers an exceptionally high 5-percent rewards rate on your gas purchases, making it one of the most rewarding gas cards — if you don’t mind spending your rewards at Sears or Kmart.

Read full review

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User Reviews


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