Sears Credit Card Review


If you’re like most people, you probably have at least one Sears credit card. And if you’re like most people, you probably don’t use it. But Sears Credit Card has been around for years, and it’s time to take a closer look at it. Sears Credit Card isn’t a bad credit card; it actually has some good features. However, there are also a few downsides to consider before signing up. In this Sears Credit Card review, we’ll cover everything you need to know in order to decide whether or not this card is right for you.

What is Sears Credit Card?

The Sears Credit Card is a credit card offered by Sears. The card allows consumers to purchase items online and in store. The card also has 0% APR for the first 12 months and then a variable APR of 14.99-25.99%. The minimum loan amount is $100, and the annual fee is $0.

The Sears Credit Card offers a number of benefits that make it an appealing option for consumers. These benefits include 0% APR on purchases for the first 12 months and then a variable APR of 14.99-25.99%. Additionally, the card has a minimum loan amount of $100, which makes it an accessible option for consumers who may not have access to other credit options. Finally, the annual fee is free for the first year, making it an attractive option for budget-conscious shoppers.

How Sears Credit Card Works

The Sears credit card is one of the more popular cards on the market. It offers a number of benefits, including 0% interest for 18 months on purchases and 20% off your first purchase in Sears and Kmart stores. The card also comes with free 2-day shipping on orders over $50.

To get started, you need to open a Sears Credit Account. This can be done online or in-store. Once you have an account, you will need to provide some basic information, such as your name, address, and phone number. You will also need to provide your Social Security number if you want the card to offer enhanced security features.

Once you have completed these steps, you are ready to start using your Sears credit card. First, make sure that your account is current by verifying your identity and credit score. Next, browse the catalog for items that you would like to purchase and click “Add To Cart.” After adding the item to your cart, review the details of your order before clicking “check out.” When you are finished shopping at Sears, click the “Sears Credit Card” link in the top left corner of the screen and enter your activation code provided when you opened your account. Your order will then be processed and shipped free 2-day shipping!

The Benefits of Sears Credit Card

If you shop at Sears often, consider getting a Sears credit card. The card offers some great benefits, including:

• 0% interest on purchases for the first 6 months.

• 10% off your next purchase of $100 or more.

• Free membership to the Sears rewards program.

The Sears credit card is a great way to save money and get some extra rewards. If you’re interested in getting the card, be sure to read the terms and conditions carefully before applying.

The Disadvantages of Sears Credit Card

The Sears Credit Card can be a great way to get your finances in order, but there are some disadvantages to consider before applying.

One disadvantage of the card is that interest rates are high. The introductory 0% APR for the first 12 months is great, but after that the card has an annual percentage rate of 23.99%. This means that if you don’t pay off your balance each month, you will end up paying a significant amount in interest charges.

Another disadvantage of the Sears Credit Card is that it doesn’t have any rewards programs. While this isn’t necessarily a bad thing, it does mean that you won’t be able to earn valuable points or receive discounts on future purchases when using the card.

Overall, the Sears Credit Card offers good introductory rates and no annual fees, but there are some disadvantages to consider before applying.

What to Do if Your Sears Credit Card is declined

If you have a Sears credit card and it’s been declined, there are a few things you can do. First, you should call the number on the back of the card to find out what happened. You may be able to resolve the issue over the phone. Alternatively, if you can’t resolve it over the phone, you can mail in a dispute form or request a reconsideration letter. If those options don’t work, you may need to contact Sears Credit Card Services for more help.


If you’re looking to improve your credit score and take control of your financial future, Sears may be a good option for you. While the card isn’t perfect, its low interest rates and flexible terms make it an attractive choice for people who are looking to build their credit history. Plus, with Sears’ 0% financing options on a variety of items, it’s easy to get started building up your credit score while you shop! If you’re interested in learning more about this credit card or any other available from Sears, visit our website today.