Sears Credit Card Apr

 · Sears originally introduced the Discover credit card, and for many years, Discover Bank issued Sears store credit cards and sears discover major credit cards. However, within the past decade, Sears has switched to the CitiBank MasterCard as its credit card issuer, and has revamped the rewards program, as well.

If Sears is your go-to department store, you may be considering getting a Sears credit card, especially if you plan to make a large purchase there in the near future. Sears offers two credit cards, the Sears Card and the Sears Mastercard, both issued by Citibank.

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Sears shoppers may be wondering if it’s worthwhile to open a Sears-branded credit card or if they should look elsewhere. While Sears has two offerings available – the Sears Mastercard and the Sears Card, we recommend avoiding the cards altogether since alternative cards provide better rewards programs.

That is caused by the high APR variable for both of the credit cards: 25.49% for Store Branded Sears Credit Card and 26.49% for Sears Mastercard Credit Card. Neither of those figures are reasonable, and getting yourself indebted with such an interest rate may be a sign of the looming financial distress in your family.

Visit Sears’ website for credit card members to earn additional bonuses on select categories of merchandise. Avoid carrying a balance on this card as the APR tends to be high. Read the fine print on the card’s special financing offers.

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If a customer’s application is approved, they may get a 10% or 15% discount on their purchase, but they also walk away with one of the highest interest rate credit cards on the market (Macy’s charges.

Best Way To Raise Your Credit Score

The Sears Gold Master Card is a safe and reliable card to carry. Not only are the credit limits set well, but they are regularly raised with good credit and payoff history. Sears Gold Master Card watches out for its consumers by helping to protect against fraud and identity theft.

WebBank offers a variety of credit card possibilities. This includes private-label and co-branded cards, consumer and commercial cards as well as small business and fleet cards. Regardless of the card you need, this commercial bank will provide you with the options.