How Does Someone Apply for a Sears Credit Card?

To apply for the Sears credit card, fill out the application in a store or on their website. Use the Sears card at Land's End, Kmart and other stores that are a part of the Sears Holding Company. If applying online, it is possible to get the approval notice faster than in an actual store.

Those who are approved for the credit card and pay off the card in 2 years or less will get extra discounts off purchases. Card holders get early notification of sales and extra coupons if they sign up for electronic communication. As of January 7, 2015, for APR purchases the variable rate is 7.24 percent to 27.24 percent and a non-variable rate of 14 percent to 29.99 percent. There is a minimum interest charge of up to $2. Members can sign up for paperless billing, online bill pay and access the account information 24/7. If the card is ever stolen there is no liability on unauthorized purchases. Account information can be accessed over the phone using the phone number on the back of the card.

There is a Canadian version of the Sears credit card that can be applied for online. There are three different credit cards: the Sears Financial Voyage MasterCard, Sears Financial MasterCard and the basic Sears Card. The Sears Financial Voyage MasterCard and Sears Financial MasterCard from Canada have no foreign financial transaction charges.