How Do You Earn Rewards With a Sears MasterCard?


Quick Answer

Sears MasterCard cardholders do not earn rewards, but they can take advantage of exclusive coupons and finance options available only to cardholders, according to Citibank. Sears customers can apply for Sears MasterCard credit cards at their local Sears location. Only the store credit card is available through online applications.

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Full Answer

Sears MasterCard credit cardholders are able to use their cards for special financing on a monthly basis, Citibank explains. Offers vary and change frequently, but they enable cardholders to receive exclusive discounts on products at Sears and give them the ability to pay off large purchases over long periods of time. Cardholders also receive advanced notices of sales the store plans to hold, enabling them to plan out their purchases and finances.

Sears MasterCard credit cards also come with features offered by Citibank, such as identity-theft solutions, account protection and $0 liability on unauthorized purchases, as stated by Citibank. Cardholders can add additional members with additional cards without undergoing extra charges. While there is no annual fee, the annual percentage rates for this card are 25.24 percent for purchases and transfers and 27.15 percent for cash advances, as of 2015. However, APRs for this card are subject to change as the prime rate of the market changes. Because the card belongs to the MasterCard brand, cardholders are free to use it wherever MasterCard is accepted, while Sears store credit cardholders can only use their cards at Sears and Kmart locations.

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