Sears Credit Card Information

Sears credit cards offer a lot of benefits.

Whether you need a credit card for everyday purchases or for a small business, one that earns points and offers rewards, or one that lets you pay in easy monthly installments for large home improvements, the Sears line of credit cards has many choices and features to choose from. Offered by Citibank, Sears credit cards can be applied for online, by telephone or in person at any Sears store. A Sears credit card can provide you with a full range of benefits and programs, such as 24-hour customer service, fraud protection, identity theft assistance, and payment protection in case of job loss or death.

Types

The Sears line of credit cards offers a standard credit card, a MasterCard, a Commercial One card and a Sears Home Improvement Account. The Sears card and the Sears MasterCard can be used at Sears and Kmart stores, and for online purchases at all Sears stores, Kmart, Lands End and The Great Indoors. The Sears Commercial One card can be used to buy appliances, lawn machinery and tools for commercial use. The Sears Home Improvement Account is good for people who need convenient payment plans to finance large home projects.

Application

You can apply for a standard Sears credit card by accessing the Citibank website and completing a Sears online consumer application. Applicants must be at least 18 years old and have a social security number. The Sears MasterCard can only be applied for in person at any Sears store. The Sears Commercial One card can be applied for by downloading an online application and by indicating whether it's for general business or property management purposes. A Sears Home Improvement Account can be opened by calling 800-469-4663.

Benefits

Additional Sears credit cards can be obtained for family members at no cost, and customer service is available 24 hours a day, seven days a week. The Sears card can be used to pay recurring bills, returns can be made at any Sears store without a receipt and card members have instant access to their credit score. The Sears MasterCard carries no membership fee, earns points for every $1 charged, and rewards can be redeemed online for gift cards and other merchandise. The Sears Commercial One card has no annual fee and purchases can be made in store, over the phone or by fax. The Sears Home Improvement Account offers easy monthly payments for the budget-minded consumer.

Features

Sears credit card members are protected by Citi Identity Theft Solutions--a service that helps card members get back on their feet if they become victims of identify theft. The Sears MasterCard offers features such as the Sears Choice Rewards Program, Purchase Assurance and extended warranty coverage for small monthly fees. Optional enrollment in AccountCare cancels a card member's minimum monthly payment or his balance up to a certain amount if he loses his job, becomes disabled, is on a leave of absence or is hospitalized for certain time periods.

Protection

Sears credit cards protect its card members with Citi Identity Theft Solutions, Fraud Early Warning, $0 Liability, The Lost Wallet Service, New Card Activation and access to Internet Security Specialists. Applications submitted online are protected by VeriSign. Sears credit card members are not liable for unauthorized charges, can get a new card in case an old one is lost or stolen and can be notified if their Sears card shows any unusual activity. Card members can also call an Internet Security Specialist with questions about phishing or online account security.

References

• Citibank: Sears Credit Card

Resources

• Money Central: 9 Big Credit Card Myths
• Credit Card Offers.com: Sears Card Reviews
• Sears.com: Benefits for Sears Cardholders