What bank does Sears credit card use?

What bank does Sears credit card use?
Because the Sears Card is issued by Citibank, the requirements are a little more restrictive than other store cards issued through Synchrony Financial. The average user reports needing at least a “fair” credit rating to be approved, which is typically a credit score above 650.

In respect to this, what stores accept Sears credit card?

The Sears Card can only be used at Sears locations and services, as well as Kmart. This includes Sears Auto Centers, Sears Dental, and Sears Optical. The Shop Your Way Mastercard can be used anywhere Mastercard is accepted, which is pretty much everywhere.

One may also ask, is the Sears credit card good? Very high regular APR. Just to put the Sears Card’s regular APR into context, the average credit cards for people with good and excellent credit charge 14.08% and 20.68%, respectively. And that’s just what the Sears Card requires for approval: good or excellent credit.

Keeping this in view, how does a Sears credit card work?

Shoppers who make frequent large purchases at Sears benefit the most from getting a Sears card. The biggest benefit to having one of the cards is to get either 5% off a large purchase or no-interest financing. The majority of the benefits come from spending at least $299 a year on most of the categories.

Is it easy to get Sears credit card?

You can apply for a Sears Citi credit card or Sears Mastercard online or in person at a Sears or Kmart store. Applications are not accepted by mail. Online: You can complete the entire application via Citibank on a secure server. The approval process also takes place online, so you can get an answer the same day.

33 Related Question Answers Found

Can you use a Sears credit card at Walmart?

Can I use my sears card at Walmart? If your Sears card has a Mastercard, Visa or Discover logo then yes you can.

What credit score do you need for a Sears card?

640

Can I still use my Sears credit card?

The Sears credit card is issued and managed by Citibank. Further, if your Sears card is a MasterCard, you will be able to continue to use at other merchants it even if Sears goes out of business. If you have a balance on your account, you will continue to make payments to Citi, just as you have for years.

Where can I make a Sears payment?

Visit your local Sears store and make the payment there. Be sure to bring the credit card bill, as well as cash or a check for the amount you wish to pay. You may make the payment at any cashier or customer service booth in the store.

What happens to my Sears credit card if Sears closes?

These type of “closed-loop” credit cards are still underwritten by a bank, which means your debt is owned by the bank and not the store itself. So if that mall anchor closes, the bank still will be looking to collect on what you owe. — The card can still be used for online or other purchases within that brand.

How much is 1000 points worth at Sears?

Points are SHOP YOUR WAY REWARDS currency. You earn at least 10 “Base” Points for every $1.00 spent in stores or online at Sears, Kmart, Lands’ End, The Great Indoors, and MyGofer. 1,000 points equals $1 in value. You would be at approximately $35.00.

What is a Sears MasterCard?

About the card The Sears MasterCard is the superior option (as compared to the Sears Credit Card) available for frequent shoppers of Sears or Kmart. In addition to being invited to cardholder-exclusive shopping events, you’ll earn points that can be redeemed on purchases at the two retailers.

Can I use my Sears card at Sears outlet?

Yes you can use them at Sears Outlet stores and online.

How do I close my Sears credit card account?

How To Cancel A Credit Card:

  1. Step 1: Pay off the card in full.
  2. Step 2: Call Customer Service to make sure the balance is really zero.
  3. Step 3: Once the balance is zero, cancel the account over the phone.
  4. Step 4: Follow up in writing and ask for written confirmation that the account is closed.

How do you check my Sears rewards points?

How do I check my Points in the app?

  1. Tap on the main menu located on the left top corner of the page and then on REWARDS. Your points and member details will appear on the first card.
  2. Tap on the main menu located on the left top corner of the page and ,tap on your profile picture and then on Account.

What can I use my Sears points for?

Redeeming the Points They can be redeemed for Sears and Kmart gift cards, electronics, restaurant gift cards and travel. For instance, to convert points to a plane ticket using the Sears Choice Reward website, click on Reward, Travel and then Air Travel Reward.

How many Shop Your Way points equal a dollar?

Points are SHOP YOUR WAY REWARDS currency. You earn at least 10 “Base” Points for every $1.00 spent in stores or online at Sears, Kmart, Lands’ End, The Great Indoors, and MyGofer. 1,000 points equals $1 in value. Whenever you shop, you keep earning new Points.

Is Sears credit card easy to get?

Approval Requirements & Application Because the Sears Card is issued by Citibank, the requirements are a little more restrictive than other store cards issued through Synchrony Financial. The average user reports needing at least a “fair” credit rating to be approved, which is typically a credit score above 650.

What score do you need for Walmart credit card?

A credit score in the ‘good’ range — at least 650 — is required for this card. There is only one Walmart credit application, so if you apply and are not approved for a Walmart Mastercard, you may be offered a Walmart Rewards™ Card instead.

What are the best credit cards to have?

Best Credit Cards of 2020

  • Capital One® Quicksilver® Cash Rewards Credit Card: Best for Flat-rate cash back.
  • Discover it® Cash Back: Best for Rotating cash back.
  • Capital One® Venture® Rewards Credit Card: Best for Travel.
  • Wells Fargo Propel American Express® card: Best for Rewards.
  • Chase Sapphire Preferred® Card: Best for Sign-up bonus.

Does Sears credit card have annual fee?

Sears Card: This store credit card can be used only in Sears stores or at Sears.com, as well as at Kmart. It gives cardholders monthly deals and special offers in-store or online. Neither card has an annual fee.

Can I use my Sears MasterCard at an ATM?

You should be able to use your Sears credit card at any ATM, just like any usual credit card.

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