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Sears MasterCard Credit Card

Sears MasterCard Credit Card


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Over the Past 60 Days!

(0) Over the Past 60 Days!

  • APR 25.49%
  • Balance Transfer APR 25.49%
  • Cash Advance APR 27.40%
  • Annual Fee $0
  • Late Payment Fee $37
  • Cash Advance Fee $5 or 5% of value, whichever is greater
  • Returned Payment Fee $37
  • Balance Transfer Fee $10 or 5% of value, whichever is greater
  • Foreign Exchange Fee 3%
  • Minimum Interest Charge $2.00
  • Signup Bonus $15 off when you are approved and make a new purchase today


  • Click "APPLY NOW" to apply online
  • Shop everywhere MasterCard credit cards are accepted
  • Monthly savings, special financing offers and more
  • Advance notice of sales events
  • Extended warranty, subject to certain exclusions

Expert Reviews

From the Editorial Team

The Sears MasterCard card may be used anywhere that accepts MasterCard, and there are some added benefits for Sears customers who carry the card.

Expert Reviews of the Sears MasterCard Credit Card

  • 1.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0


  • 3.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

Most consumers will find other cards that can save them more money when shopping at Sears. There are many other credit cards that offer much lower rates and fees – including those that also have rather generous cash-back or rewards programs.  The $15 signup bonus on this card is one of the lowest around - apart from the Sears store card!

The Good

There is no annual fee for the card, and if you sign up and are approved for the card you will receive $15 off on your first purchase made the same day, as a sign-up bonus. 
Card membership gives customers access to monthly sales events and similar kinds of special offers. Sometimes that means 5% deals or opportunities to earn rewards points toward future Sears purchases, for example, or special 6-month financing on certain purchases.

The Not So Good

There is a 25.49% APR on purchases and balance transfers, and there is also a surcharge of $10 or 5% of the amount of each transfer, whichever is greater. There is a 27.40% APR on cash advances, plus a surcharge of either $5 or 5% of the amount of each cash advance, whichever is greater. These APR rates are extremely high so carrying a balance on your card can be very costly.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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