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

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% (12 months (on balance transfers made within 45 days of account opening))N/A16.49%, 20.49% or 23.49%* Variable$89 - waived first year
  • 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/A15.90% - 24.40% Variable$0 - $99
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 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/A12.49%, 20.49% or 25.49% variable$0
  • 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*
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0% (15 months (on balance transfers made within 45 days of account opening))0% (15 months)13.49% Variable$0

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.