Credit Cards » Sears

Sears Credit Cards Alternatives

If you are looking for a card that will help you save and enjoy shopping at the same time, a Sears credit card can be the perfect one for you. With more than 60 million household owners today, Sears is known as the largest company who has successfully penetrated the retail industry. Its products include: Sears Card, Sears MasterCard, Sears Commercial One Card, and Sears Home Improvement Account. It is also offering a wide range of credit card extras tailored to suit every financial need of its clients.

Alternative Credit Cards for Sears Shopping and more

  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.99% - 24.99% Variable$0 - $99
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/aSee Terms$0
  • Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
  • Earn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire
  • Earn and share points together with Family Pooling
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)N/A12.99%, 20.99% or 25.99% variable$0
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You´ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you´re Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.99% - 24.99% Variable$0 - $99
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that Mastercard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair/BadN/AN/ASee Terms*See Terms*
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
PoorN/AN/A16.99% - 24.99% Variable$0 - $99

Sears and Its Many Different Credit Cards Offered

Sears realizes that the average credit card market is comprised of customers that have all sorts of needs. This is precisely why it has come up with several credit card options to cater to all of the needs of its market. Here are the existing Sears credit card options in the market today.

The first card is simply known as the Sears Card and is the standard retail card offered by the company. Consumers can use it at Sears Department Stores, as well as their affiliates, such as Sears Auto Center and Avis. Upon opening the account, consumers generally get discounts for their first purchases. That purchase can also qualify for a low interest rate, which would go on during the first few months of usage. Aside from that, cardholders are given a lot of incentives, such as special coupons. It is also easier to return purchases made with the Sears card because clients no longer have to present the official receipts for these purchases, should they want to return these.

Another card is the Sears MasterCard. It goes beyond the advantages clients of the Sears Card enjoy. Cardholders can use the MasterCard at any bank, ATM machine, or retail store that accepts MasterCard transaction. Clients looking into debt consolidation can also transfer existing balances onto their Sears MasterCard account. Clients also get the optional Sears Choice Rewards program. Through this program, clients can earn points through purchases they make and these can be redeemed for Sears gift certificates, merchandise, gift cards to restaurants and establishments, even roundtrip airline tickets.

The Sears Commercial One Card caters to the needs of business customers. This type of credit card account can be customized through the different available plans outlined for property managers and general companies. This card also makes it much easier for business owners to monitor monthly transactions and purchases. Cardholders can also make use of the Sears Business Resource Center, which is a great source for tax tips and human resources info.

The Sears Home Improvement Account caters to the needs entailed in big home improvement projects. With this account, customers can purchase as many home items as needed for particular home improvement projects. Installation can be conducted by Sears professionals. The account allows the cardholder to take advantage of low interest payment plans as well.

Other Sears credit card offers include the Premier Program, AccountCare, and Choice Rewards. The Premier Program gives cardholders access to discounts, coupons, and access to exclusive shopping events. AccountCare, on the other hand, gives cardholders protection against having to make monthly payments during family emergencies and other sorts of crises. Lastly, Choice Rewards allows cardholders to earn redeemable points in the form of flights and hotel visits.