How To Make a Sears Credit Card Payment

Hackensack, New Jersey, USA - April 14, 2018: Vintage Sears Roebuck department store.
ffooter / Getty Images

As a large, nationwide retail chain, Sears offers items like appliances, tools, clothing, shoes, home furnishings and more. Even better, Sears offers a way to help finance those purchases: a Sears credit card or a Shop Your Way Mastercard — both issued by Citi®.

Using a Sears credit card or Shop Your Way Mastercard delivers rewards and benefits, such as getting 5% off certain purchases or 12 months of interest-free financing on select items of $299 or more, or earning 1% to 5% in points for eligible purchases.

Advice from CardCritics: Why It’s Time To Ditch Your Store Credit Card

To enjoy the benefits of your credit card rewards, you’ll need to keep your Sears credit card account up to date by taking advantage of one of the available payment options. Here’s everything you need to know.

How To Make an Online Sears Credit Card Payment

You can submit your payment using the online portal. First, you will need to register your Sears credit card. To do so:

  1. Go to the login page for your Sears credit card or Shop Your Way Mastercard.
  2. Click the “Register Your Card” link underneath the “Sign On” button.
  3. Enter your card number and select “Continue” to set up a user ID and password.
Get Credit Card Perks

If you don’t know your card number, you can verify your identity by clicking “I don’t have my card on hand” and entering your name, Social Security number and phone number. Choose whether to receive a call or a text, accept the terms and click “Send Code” to continue registering your account.

Once your registration is complete, you can sign in at the login page to process your online payment. Make sure you have your checking account information and bank routing number handy to complete the transaction.

How To Make a Sears Credit Card Payment by Phone

You can pay your Sears credit card, 24/7. Customers with a Sears Card can call the Sears Credit Card Services toll-free number at 800-917-7700 and follow the prompts to make a payment. You can also opt for a customer service representative to assist you.

Assistance is also available for customers with other Sears credit cards, including the following:

  • Sears Mastercard: 800-669-8488
  • Shop Your Way Mastercard: 877-816-9063

How To Make a Sears Credit Card Payment by Mail

With Sears, paying your credit card bill by mail is also an option. Regular mail and expedited payment addresses are available. Send your payment coupon and a check or money order to the appropriate address:

Get Credit Card Perks
Card Regular Payment Address Expedited Payment Address
Sears Card or Sears Mastercard P.O. Box 9001055
Louisville, KY 40290-1055
Overnight Payments
Sears Payment Center/Overnight
6716 Grade Lane
Building 9, STE 910
Louisville, KY 40213
Shop Your Way Mastercard P.O. Box 78024
Phoenix, AZ 85062-8024


P.O. Box 70610
Philadelphia, PA 19176-0610

Overnight Payments
Attn: Consumer Payment Dept.
6716 Grade Lane
Building 9, STE 910
Louisville, KY 40213

How To Make a Sears Credit Card Payment in Person

You can also make a credit card payment at any Sears location, which is convenient if you live nearby or if you are planning to shop there. For the fastest service, bring your billing statement with you to the store.

Pay Your Sears Credit Card Bill on Time

Paying your bill on time is important to avoid late fees and negative credit reporting. If you pay your entire bill within the grace period, you can avoid interest charges on your purchases. The grace period is at least 25 days.

If you don’t pay at least the minimum due by the due date, a late fee of $25 will apply. Additionally, more than one late payment in six consecutive billing cycles will result in a $35 fee.

Get Credit Card Perks

Information is accurate as of Sept. 23, 2022.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Share This Article:

Get Credit Card Perks

About the Author

John B. Kinsellagh is an attorney, former financial advisor and freelance writer specializing in personal finance, investment strategies, retirement planning, as well as business, legal and regulatory issues. His work has appeared in eHow Business, Legal Zoom,, NYSE Euronext, wiseGeek and other publications.
Learn More

Best Bank Accounts for September 2022

Untitled design (1)
Close popup The GBR Closer icon

Sending you timely financial stories that you can bank on.

Sign up for our daily newsletter for the latest financial news and trending topics.

Please enter an email.
Please enter a valid email address.
There was an unknown error. Please try again later.

For our full Privacy Policy, click here.