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

Group One Platinum Card

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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Damaged/Fairn/an/a0.00%See terms
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Bad/NoN/AN/A25.64% (variable)$35
  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair/Poor/BadN/AN/A35.90% Fixed$99 introductory fee for the first year, then $125 thereafter
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair/Poor/Bad/LimitedN/AN/A35.90% Fixed$75 - $125

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.