How to Get Your Sears Credit Card Application Approved

Here’s how to get a Sears credit card or Sears Mastercard.

With exclusive savings and special financing, the Sears credit card through Citibank offers consumers valuable incentives to conquer their shopping lists while saving money. For those who want to reap the benefits of the Sears card and earn rewards on top, a Sears Mastercard from Citibank is also available.

With the Sears rewards card, shoppers earn points through the Shop Your Way program for eligible purchases anywhere Mastercard is accepted. Here’s what you need to know about getting your Sears credit card application approved, so you can enjoy what some might consider as one of the best store credit cards available.

How to Apply for a Sears Credit Card

When applying, your options are a Sears Card or a Sears Mastercard. Both cards feature no annual fee and have an interest rate of 26.24% APR on purchases. All cardholders receive monthly deals and special offers. The Sears Mastercard allows you to earn up to 5 percent in Shop Your Way points, which you can redeem for merchandise at Sears or Kmart stores.

Here’s how to apply for a Sears Citi credit card and get your Sears credit card application approved:

1. Choose Your Method of Application

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.
  • In Store: Ask an associate at a Sears or Kmart store to provide you with a paper application to have it processed in the store electronically or via phone with same-day approval.

For questions, call Sears Credit Card Services at 1-800-815-7701.

Find Out: Surprising Uses for Your Credit Card Rewards

2. Review the Terms and Conditions

The terms and conditions are located at the bottom of the online application form. When applying at a retail location, the terms and conditions will be given to you as part of the application.

The grace period is at least 25 days. You must pay your new balance by the due date in each billing cycle to avoid interest. For late payments, a fee of $27 to or $37 if you exceed one late payment within six billing cycles — will be added to your regular purchase balance.

3. Complete the Credit Card Application

You’ll need to provide the following identifying information to process your application for store cards from Sears or Kmart. Make sure all your information is accurate to increase your chances of a credit card approval.

  • Full legal name
  • Email address
  • Street address
  • Phone number
  • Monthly mortgage or rent payment, residency status and income
  • Social Security number
  • Date of birth

4. Wait for Approval

When you apply for the credit card, Citibank will order your credit report to determine whether you qualify for store credit cards like the Sears card. Your credit limit is determined by the income you provide and the amount of debt listed on your credit report. Account approval will depend on your credit score and other factors.

Learn: Pros and Cons of Using Store Credit Cards

Both the Sears credit card and Sears Mastercard could be helpful for people who enjoy shopping at Sears or Kmart. Although the terms and conditions are the same for both cards, the Sears Mastercard allows shoppers to make purchases anywhere Mastercard is accepted and rewards redeemable merchandise points for eligible purchases.