Annual Fee: $0
Rewards: 5% on gasoline and 3% at restaurants and groceries for 12 months (up tp combined expenditure of $10,000). After that, 1%. 2% at Sears/Kmart and 1% for everything else.

Pros

• 5% on gas and 3% on restaurants and groceries for 12 months
• 2% at Sears/Kmart
• No annual fee

Cons

• High APR
• 5% and 3% deal only last one year.

Sears have had their Mastercard issued by Citi for ages. In 2017, they introduced their Sears "Shop Your Way" Mastercard, which is the same as their previous card except for the following. For the first 12 months, you can earn 5% back on gasoline and 3% back at restaurants and groceries for up to a combined spending of $10,000 for these categories. Once you exceed that amount, you earn 1%. For purchases at Sears and Kmart, you earn 2% back and 1% back for regular purchases.

It is a great card for the first year with the 5/3 rewards. From the second year onwards, it returns to a more "normal" store card. The Shop Your Way program allows you to earn points and redeem them for discounts. They also have an online portal where you can save money shopping the portal.

If you shop at Sears a lot, this might be a card you would want to consider. For rebuilders, it would be much easier to get the Sears Store Card. The average score for card holders who got approved for this card (and provided their reviews here) was 701.