If you are an avid shopper at Sears, you’re definitely going to want to know about the Sears credit card. Credit cards offer some of the best pay tools available in the market. As an added bonus, they offer incentives for those who use them to pay for services. Essentially, credit cards reward you for the usage.
Some credit cards offer the cardholders a chance to earn more exclusive incentives than others. One such card is the Sears Credit Card from CitiBank. It offers the holders a chance to partake in the exclusive rewards bracket.
With this card, you can earn many reward points from general shopping. We’ve delved a little further into what the Sears card is all about and we have some details you’ll want to know. Read on to understand how this card can be used the best, and how to apply for it.
Benefits And Features Of A Sears Credit Card
Among many benefits that you enjoy when you use this card, one is 5% cashback when you fill up at eligible gas stations. Also, when you eat out at restaurants, you get 3% back in the form of points. The same applies to all grocery store shopping that you make with the card.
This, however, is capped at $10,000 per year and after that, the rewards are reduced to around 1%. This is in addition to the grace period of 25 days that is given when your account is approved by the issuer.
Eligibility And How To Apply
To apply for a Sears Credit Card, you have to meet certain requirements. You must be at least 18 years of age and be employed or self-employed. You have to fill an application form and submit a list of supporting documents. The required documents can be found on the Citi Card – Sears Card application website.
You can apply for the card in two ways. One is by physically going to a store that is associated with Sears or Kmart. Here, you’ll have to fill in a physical application for the card. The application will be electronically processed once it has been received. It will take at least a day for your application to be approved on denied through this channel.
The other route that you can use to apply for a Sears Credit Card is the online route. This is by far the easiest of them all and requires little effort. You can do this from the comfort of your home. The Citi Bank server is secure so you don’t have to worry about uploading your information there.
The good thing about the online application is it is quick to apply and the approvals also get processed faster.
You can begin your application by visiting the CitiBank website and selecting the ‘Credit Card Menu’. This will prompt you to the next page where you can select Sears Credit Card and press the ‘Apply’ button. Make sure to read full terms and conditions by clicking on the ‘Learn More About Applying’ button.
Fees And Charges
One of the major advantages of this card is that it has zero annual fees. Other features include the following.
- Cash advances possible, but are charged at 5%.
- 5% fee charged on balance transfer.
- The cost for foreign transfers is charged at 3%.
- APR applied at 25.24%.
- For late payments, you have to part with a fee of $27, that’s for the first billing cycle.
Contact information
For all your questions about the Sears Credit Card, you can dial 1-800-815-7701.The bank’s head office is at 701 East 60th Street, North in Sioux Falls, South Dakota.
Conclusion
Having a Sears Credit Card earns you some of the best rewards that are available in the market. With its cashback offers and reward points, you are rewarded for the money you spend and if you’re shopping anyways, it’s great to get something back.
Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before applying.