Am I eligible?
To get this card, you must also:
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...
- Holly Johnson, CnetThe no-annual-fee Shop Your Way Mastercard®’s* rewards rates and redemption options make it a solid choice for consumers who spend a lot at gas stations, restaurants and grocery stores. However, its highest rewards are limited to the first $10,000 you spend in combined purchases per calendar year be...
- John S Kiernan, WalletHubThe Sears Credit Card is a decent card for Sears customers with at least good credit. It offers 10 - 50 points per $1 spent, gives a pretty good initial bonus, has a $0 annual fee, and works anywhere Mastercard is accepted.
- Rebecca Lake, InvestopediaThe Shop Your Way Mastercard could be a good choice for someone who is loyal to Kmart and Sears and wants to earn rewards they can use toward future purchases at those stores. This card is also attractive if you spend regularly on gas, dining, and groceries and want to earn a competitive rewards rat...
- Robin Ratcliff, CreditCards.comThe 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.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
30.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
30.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
29.99% (Variable) 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 |
$40.00 Maximum |
| Promotions | |
| Sign up bonus |
Earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases in the first 90 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 |
| Virtual Cards | Yes |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Suggest a correction |
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