Sears, Roebuck, and Co., popularly known as Sears, is a US-Based chain of department stores operating in all states of the US. The company was established in 1892. Since then, it has been venturing into all niches, from clothing to footwear, bedding to furniture, and housewares to tools.
The chain of retail brands housed in Chicago moved its headquarters to Hoffman Estates, Illinois, in 1995. However, the company announced selling the headquarters complex in 2021. Sears acquired Kmart in 2005, and Kmart had been operating as a subsidiary of Sears Holdings Corporation. However, Transformco, created in 2019 to acquire brands from Sears Holdings Corporation, has taken over Kmart and Sears.
Currently, Sears is operating at 23 locations in the US and offering services to customers in different niches and products. If you are a die-hard Sears shopper, you will be interested in knowing the brand’s loyalty program, reward programs, and financing facilities.
In today’s article, we will be talking about Sears credit cards that consumers can apply for and enjoy exclusive perks on. We will talk about the registration process, application, perks, and everything you need to know.
So let’s get into it.
Sears Credit Card Program
A lot of people get confused about so many credit cards and products offered by Sears. To name a few, Sears Card, Sears Mastercard, Sears Charge Plus Card, Great Indoors Gold Mastercard, etc., are different credit card solutions companies offered under the credit card program.
However, the Sears credit card program has been simplified, and it offers two cards now: Sears Card and Shop Your Way Mastercard. Sears card is a closed-loop card, and the Shop Your Way Mastercard can be used in-store as well as at other locations. Sears has joined hands with Citibank to provide credit card services to customers.
Features And Benefits Of Sears Credit Card
Let’s discuss the features of both the Sears Card and Shop Your Way Mastercard:
Sears Card
Sears Card is a closed-loop card that can only be used at Sears stores and Sears-owned websites and brands. It implies that you can use your Sears credit card at Kmart and Sears to avail of different financing options and exclusive members-only offers from the company.
The main features of the Sears Card are as follows:
Special Financing
Special financing on different categories of products and purchases from Sears and Sears-owned brands
Exclusive Promotions
The cardholders get access to exclusive perks and saving deals on different events. For instance, the current Christmas Holidays season is bringing exclusive savings for Sears cardholders. Besides, you can also earn points that can be redeemed as discounts.
Zero Fraud Liability
You don’t have to worry about any unauthorized charges made to your Sears credit card, as the card comes with account protection and zero fraud liability.
No Annual Fee
You don’t have to worry about any annual fees or maintenance fees for your closed-loop Sears card, as there is no annual fee associated with the credit card.
Shop Your Way Mastercard
When you choose Shop Your Way Mastercard, you get access to all the benefits and features associated with the Sears card. It is not a stores-only card and you can shop with your card anywhere with Mastercard acceptability. However, using the Sears Shop Your Way credit card has additional perks and rewards.
The features and benefits of Shop Your Way Mastercard are as follows:
- The cardholders will get the welcome bonus on the first eligible purchase with your Sears SYW Mastercard
- Rewards and benefits: 5% points on gas station purchases, 3% points on food, restaurants, and grocery for up to $10,000 per year
- 2% in points at eligible purchases from Sears & Kmart, and 1% on all other purchases made with your Sears Mastercard
- No annual fees or maintenance fees
- Special financing options
- It is a Mastercard that is accepted at millions of shops, websites, and platforms.
- Exclusive offers and events bring cardholders-only rewards and discounts
Who Can Apply For Sears Credit Card?
Sears has collaborated with Citibank to offer credit card solutions to their customers. Therefore, the bank and company establish certain qualification criteria for who can become cardholders for Sears cards. Here is the minimum eligibility to determine who can apply for a Sears credit card:
- You must have a Sears account online to apply for Sears Shop Your Way Mastercard. For a Sears credit card, you can apply for your card without having a prior account with Sears.
- You must be a permanent resident or citizen of the US or its territories
- You must be at or above the age of majority, which is 18 or above
- Have a physical street address in the US
- Proof of your income and low debt percentage for increasing chances of your approvals
- Good to excellent credit score to get approved
How To Apply For Your Sears Credit Card?
If you think you are eligible to apply for a Sears credit card, you will need to apply with Citibank and Sears to start card processing. Here is what you need to do to apply for your credit card:
- Visit the official webpage of Sears credit card on the Citibank website here.
- Scroll down to the option of Not a Cardholder. Apply Now. Click on Apply Now.
- It will open a new page with different cards and options. Scroll down the page.
- Depending on which card you want, you can choose from Shop Your Way and Sears Card. It will redirect you to the page where you can choose which card you need and proceed with the application.
- Fill in the application form with information like your name, email address, phone number, etc. Click on Continue.
- Fill in your personal and financial information to complete the application.
- Review the terms and conditions and submit the application.
Activation Of Card
As soon as the company authorizes you, you can use the virtual credit card number right away. It will take around 14 days for your physical credit card to reach your mailing address. Once received, you need to activate your card, and you can do it online and via phone.
Online
- For online card activation, you will have to create your online account. Click here to register your card.
- Enter your credit card number and tap on Continue.
- Provide the other information, like your card’s 3-digit security code, SSN’s last four digits, and birth date.
- Now you will have to select a user ID and password to complete the signup. You can use the password and username for future logins.
- Set your security questions to prevent unauthorized attempts to log in to your account.
- Once logged in, go to the card activation section.
- Follow the on-screen prompts and activate your card in a few steps.
Via Phone Call
For activation over the phone, call on the following number:
Shop Your Way: 1-877-225-6719
Sears Card: 1-800-887-1403
The number is also printed on the sticker pasted on your card’s front side. Follow the on-call instructions to verify your personal information and card details to activate your Sears credit card.
Online Access Registration
You will need online access to your Sears credit card account to manage bills, edit information, and check the points credited for SYW Mastercard. We have already discussed the registration process for online access to Sears cards in the above discussion. You won’t have to undergo a separate registration process with Citibank cards.
How To Pay Your Credit Card Bills
You can pay your bills in different ways:
Online
- Login to your Sears or Shop Your Way account on the Citibank website.
- Go to the Payment Section and click on Make a Payment.
- Provide the credit card bill details and date of payment.
- Add a new bank account or debit card for payment. Review the added information before confirmation.
- Click on Submit button to complete the payment.
Via Phone
You can also pay your Sears card or Sears SYW Mastercard bills over the phone. Have all information in your hand before making a call. The information needed includes your credit card number, bank account/debit card, bank routing number, and other verification information.
Call the following numbers:
Sears Card: 1-800-733-1116
Sears Shop Your Way Mastercard: 1-877-816-9063
Via Mail
You can also send your Sears card and Sears SYW Mastercard bills in the form of checks or money orders to the following mailing addresses:
Shop Your Way Card:
PO Box 78024
Phoenix, AZ 85062-8024
Overnight Payments
Attn: Consumer Payment Dept.
6716 Grade Lane
Building 9, STE 910
Louisville, KY 40213
Sears Card:
PO Box 9001055
Louisville, KY 40290-1055
Overnight Payments
Sears Payment Center/Overnight
6716 Grade Lane
Building 9, STE 910
Louisville, KY 40213
Customer Service Of Sears
Via Call
Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support:
Shop Your Way: 1-877-816-9063
Sears Card: 1-800-669-8488
Alternatively, you can send your credit card-related queries to the mailing address of Sears and SYW.
Shop Your Way:
PO Box 6282
Sioux Falls, SD 57117
Sears Card:
PO Box 6275
Sioux Falls, SD 57117
