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Sears Store Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Sears Store Card
18 Reviews
Consumer Rating:
star ratingstar ratingstar ratinghalf star ratingno star rating3.5
Lowest:
593
Average Score:
661
Highest:
730
Card Details
Card Details

Annual Fee: $0
APR: 26.99%*V
Pros and Cons
Pros and Cons

Pros

  • Discounts or 0% financing off selected item categories
  • No annual fee

Cons

  • Can only be used at Sears and Kmart
  • High APR

Our Take
Our Take

The Sears store card is a few for those of you who shop at Sears regularly to save money on big ticket items or get 0% financing deals. Because it is a store card, it is easier to get than the Sears Mastercard and many rebuilders get this card to rebuild their credit as well.

Card holders have provided mixed reviews with regards to credit line increases, with some saying Sears have increased their limit generously while others have had no success. The APR is rather high (which is quite typical for a store card) and you should try to avoid carrying a balance.

Card holders who wrote reviews below had an average credit score of 661 and most have starting credit limits ranging from $300 to $600.

All
5 Star
33%
4 Star
22%
3 Star
16%
2 Star
16%
1 Star
11%
1 Star 2 Star 3 Star 4 Star 5 Star
Sort By


 
Credit Score: 643 Credit Limit: 500 Age: 35-44
Posted 03/02 2016
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
I had this very bad experience with my Sears Card. I had a limit of $500 and ran up a balance of $400 during the holiday season. Since then, I have paid more than the minimums every month and have never been late. However, once I had paid off half my balance, they immediately cut my limit by that amount and so now all I have is $300 and my utilization ratio is up again.

Once I pay off the balance, I WILL cancel this card. That is simply not the way to treat someone who has been shopping at Sears for years.
 
Credit Score: 669 Credit Limit: 700 Age: 35-44
Posted 06/16 2015
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
For about 8 months, this card worked out ok. Then I went on a shopping spree and charged close to my credit limit on the card. I took about the next 9 months to pay it off. In the meantime, I did not use the card again because I really wanted to pay off the card. Once I paid off, they cut my limit to $200! Are you kidding me? Called customer service and spoke to countless "supervisors" and none could give an explanation that made sense. One said there are changes to my credit report (there were not). Another said I had not use the card for a while (off course and that is to pay off the balance). Anyway, I canceled the card. Sears is not really a fun place to shop these days anyway.