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 unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average, Fair, LimitedN/AN/A24.99% (Variable)$39
  • 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
FairN/AN/A15.90% - 24.40% Variable$0 - $99
  • 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*
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See Terms
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • 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
FairN/AN/A15.90% - 24.40% Variable$0 - $99
  • 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

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.