Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

Sears Mastercard® review

Compare Compare  
Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
25.99% (Variable)
Interest Rate: Purchases
25.99% (Variable)
Balance Transfer
25.99% (Variable)
Balance Transfer
25.99% (Variable)
Rewards
10 - 50 points
Rewards
10 - 50 points
Signup Bonus
-
Signup Bonus
-


4.9/10
Informr score
The Sears Mastercard® currently has an Informr score of 4.9 out of 10. This score is based on our evaluation of 3 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...


WalletHub
WalletHub

Neither the Sears Mastercard Credit Card nor the the Sears Store Card charge an annual fee, but that’s pretty much the best thing going for the store card.

- John S Kiernan, WalletHub
Investopedia
Investopedia

The 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...

- Rebecca Lake, Investopedia
CreditCards.com
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 25.99% (Variable)

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

Balance Transfer Interest Rate 25.99% (Variable)

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

Cash Advance Interest Rate 27.9% (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 $39.00

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

- 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 -
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Sears Mastercard®

Rate It: