How To Sears Credit Card Login- Detailed Guide

Sears Credit Card is a store credit card that you can use to shop from any Sears store nearby. Sears offers these cards to its customers to make their shopping credit smoother. It offers several benefits and rewards that you can use to buy your required goods.

The company has stopped receiving new applications for registration of these cards now. That is because it is replaced by its other type which is Shop Your Way MasterCard. However, the existing users of this card can carry on using it.

If you own one of these cards and want to know how to Sears Credit Card login, you’ve come to the right place. That is because, in this blog, we are not only going to discuss the login procedure but also explore more insights about this credit card and see how it can benefit you.

Let’s get straight into it.

What is a Sears Credit Card?

Sears Credit Card is a store credit card that Sears offers to its customers for in-store shopping. Sears was one of the biggest retail brands in the United States and had over 3,500 stores across the country in 2019.

However, they took a hard turn in business and have reduced their number of stores to a great extent. Despite this setback, Sears keeps on providing its customers with different services and one of them is Sears Credit Card.

Now, let’s take a look at how this card actually works.

How Does a Sears Credit Card Work?

A Sears Credit Card works by collaborating with a local bank and allowing the users to shop whenever they want to with the help of points they earn on it.

These points are increased whenever the user shops for some goods such as food etc. Once the points reach a certain limit, users can redeem them at their nearest Sears store and purchase whatever is worth those points.

This cycle keeps on going and the customers keep on enjoying these free credit points from time to time.

How to Perform a Sears Credit Card Login?

Performing a Sears Credit Card login is very easy. Here’s what you have to do:

·  Access the Sears Credit Card Section at the Citi Bank Website:

First of all, you’ve got to access the Citi Bank website. After that, you have to look for the section that provides information about Sears Credit Card.

Well, this sounds like a lot of struggle. So, here’s a shortcut for you. Simply input “Sears Credit Card” in the Google search engine and you will get a direct link to that page.

·         Input Your ID Credentials:

Once you have accessed this section, it will ask you to provide your ID credentials. These credentials are your user ID and password. Input these credentials in the designated places and click on the “Sign On” button.

Clicking on this button will log you into your card ID.

How to Apply for Sears Credit Card Login?

Unfortunately, you cannot apply for a new Sears Credit Card. That is because it has been replaced with the Shop Your Way MasterCard which works similarly. So, let’s discuss how you can apply for this new card.

You can apply for registration in the same section we have mentioned above.

You can see an “Apply Now” option below the card images. Click on it to begin the application process.

Now, scroll all the way down to the bottom of the page and click on the “Learn More” option given in the “Not a cardmember?” section.

The site will ask you for different information such as your name, email address, etc. Provide this information and keep on following further instructions to complete the application process.

If you face any inconvenience in the application or login process, you can contact either Citi Bank or Sears for guidance.

What is the Difference Between the Two Types of Sears Credit Card?

There are two major types of Sears Credit Card:

  • Standard Sears credit card
  • Shop Your Way MasterCard

Standard Sears Credit Card:

You can use this card only for in-store shopping at Sears. You can also use it to shop at certain Kmart and other stores that are the participants of Sears.

  • This card doesn’t have an annual fee.
  • Its points can be redeemed for discounts, gift cards, etc.

Shop Your Way MasterCard:

A more versatile version of the Sears Credit card is the Shop Your Way MasterCard. This card is issued by Citi Bank with the collaboration of MasterCard.

  • You have to pay an annual fee for this card.
  • This card can be used at all the places where MasterCard is accepted.
  • It can be used for various purposes including getting cash back, for traveling, and buying goods.

So far, we have discussed some very important information about these store credit cards that you can use for shopping. So, what are the exact benefits of having this card? Let’s discuss.

Benefits of Having a Sears Credit Card:

There are several benefits of having a Sears Credit Card. Some of the major ones are discussed below:

  • You can earn a 5% return of points while using it at gas stations.
  • You can get a 3% return at restaurants and grocery stores (the ones that fall in the eligibility criteria.)
  • You can enjoy different holidays and deals and offers.
  • You can enjoy discounts while in-store shopping at Sears and Kmart.

Well, you have to keep in mind that these benefits depend on the type of card that you are using.

Things to Keep in Consideration:

Here are some things you have to keep in consideration about the Sears Credit Card:

  • This card is no longer available and is replaced by Shop Your Way MasterCard.
  • The new version works similarly to the older one.
  • There are differences in the usage method of the new version of this card
  • Make sure to consult with someone who is already using this card before applying for it. It will help you understand whether or not it is a good idea to buy this card for yourself or not.

Frequently Asked Questions (FAQs):

Is Sears Credit Card free?

Yes, using this card does not have an annual fee. However, you have to purchase goods to get rewards points on it.

Does Sears Credit Card still exist?

No. Sears Credit Card does not exist anymore unless you have one already. It is replaced by Shop Your Way MasterCard.

Why is it hard to get this card?

Getting this card can be hard as it requires a certain number of credits for the application process.

Read also: PeopleTools ATT: What It Is and How It Can Benefit Your Business


Performing a Sears Credit Card login is very simple. There are a few steps that you have to follow in order to do that. We have explained these steps comprehensively in the above-given information. However, this information is useful for you only if you have this card already since it is not possible to apply for it now.

Sears has introduced a newer version of this card called Shop Your Way MasterCard with the help of Citi Bank and MasterCard. We have discussed how you can apply for it above along with its benefits.

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