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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: 672 Credit Limit: 500 Age: 45-54
Approved 8 years after Bankruptcy
Posted 06/23 2018
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
Whenever I shop at Sears, the cashiers will always be asking me to apply for the card because I could either get some discounts or 0% financing. I always found it so cheezy until I relented one day because I decided to buy a kitchen aid blender and thought I could use the discounts. The application was easy and I approved on the spot. I would say that the card is ok but the thing that puts me off is the interest rate. It is so high and I have been conscious not to carry a balance.
 
Credit Score: 650 Credit Limit: 1000 Age: 25-34
Posted 02/16 2018
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
A couple of years ago, my kitchen stove broke down and I had to buy a new one. After shopping around a couple of stores, I decided to get one from Sears. At the checkout counter, the cashier asked me to apply for the Sears store card and told me I could either get 5% off or have 12 month financing at 0%. I decided to go for it and after providing my SSN and DL, I was approved for $1000 which was enough for the stove. I also decided on the 12 month financing.

Since then, I have rarely used the card except when I go to Sears (which ain't much). I tend to pay in full because the rate is ridiculously high. As a reference point, my score was 650 when I got the card. And I was actually surprised to get the limit I got. I guess it was because of the "higher" ticket price of the stove I was buying.
 
Credit Score: 615 Credit Limit: 300 Age: 25-34
Income On Application: $50000
Posted 11/15 2016
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
There is a Sears store about 20 minutes from where I live and a Kmart 5 minutes away. So I actually end up using this card more at Kmart than Sears itself. I do not use the card often because shopping in Kmart has become really depressing as the stores look worse over the years. It is just so dated and not maintained at all. Still, I do some gift shopping there occasionally and find the card useful.

I usually pay off my balance in full because the rates are really high. When I got this card, my scores were in the low 600s and I got a $300 limit. I suspect Sears will close down sooner or later or I think this card will soon be gone. But I have already gotten proper Visa and Mastercard so this would not bother me at all.