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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: 602 Credit Limit: 300 Age: 35-44
Posted 05/14 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I actually applied for the Sears Mastercard in the store but was declined. I took a chance and applied for the store right there and was approved. I got 5% off my purchase straight away. I like the card simply because I shop at Sears and I know I have the option of 0% financing if I were ever to purchase a big ticket appliance.
 
Credit Score: 683 Credit Limit: 700 Age: 25-34
Posted 04/08 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I got the Sears card at the counter and got 5% off whatever I was buying that day (should have bought more stuff). I was approved on the spot with a $700 limit. The thing that I really like about this card (and a couple of other store cards) is that you can pay your bills in the store. I have had many bad experiences with online pay and auto pay and this works out best for me. Like others have said here, pay in full. The interest rate is really high and you should not carry a balance.
 
Credit Score: 674 Credit Limit: 1500 Age: 25-34
Income On Application: $75000
Posted 08/08 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I signed up for this card upon the advice of the salesperson who was selling me a stove. If I remember correctly, I saved about 10% off and got some 0% financing. I paid it off by the time the 0% deal ended cos the rate was like 25%! Since then, I have used the card when I shop at Sears and that does not happen too often.

If you are buying an appliance from Sears, then it might not be a bad idea to get the card.
 
Credit Score: 593 Credit Limit: 250 Age: 35-44
Posted 02/17 2014
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
When I first got this card, my score was slightly below 600 and all I got was a $250 limit. There is a Sears store near my place and I have been going there at least once a month and the $250 limit was ok. My utilization might have been high on the card but I have others cards so my overall usage is low. There card is good in that you get deal alerts and savings which helps when you want certain items.

But eventually, I got sick of having such low limits. I went to the site and requested a credit limit increase online. I simply put $15k since my other cards now have this limit (bear in mind my score is now in the 700s). To my surprise, I actually received an email saying that I was approved and $15k is my new limit! I checked my 3 reports and there was not even a soft pull!