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The Daily Insight Hub

Does Sears have a Mastercard?

Author

Matthew Harrington

Updated on February 09, 2026

The Sears MasterCard is the superior option (as compared to the Sears Credit Card) available for frequent shoppers of Sears or Kmart. In addition to being invited to cardholder-exclusive shopping events, you’ll earn points that can be redeemed on purchases at the two retailers.

Can you pay Discover card at Walmart?

Open your Walmart app, select Services > Walmart Pay > Set Up Walmart Pay. Create a Walmart.com account, or sign in to your existing account. Select Add Payment Methods and enter your Discover card details. Agree to the Terms and Conditions, follow prompts to verify proper set up, and create a Walmart PIN.

Is it hard to get a Sears credit card?

Unfortunately there is no way to get pre-qualified for a Sears Store Card. It requires at least fair credit, which is a credit score of 640+, so it’s not very hard to get.

Should I close my Sears credit card?

Yes. Even if you didn’t choose to close the account, it will still have an impact. If you held the card for a long time, it can affect the average length of credit history, which is a factor in determining your score.

Where can a Sears Mastercard be used?

Where can I use my new Sears Card? The Sears Card is accepted at Sears, Kmart, Sears.com, Sears Essentials, Sears Grand, Sears Hardware, Sears Auto Centers, Sears Hometown Stores, Lands’ End and landsend.com (all members of the Sears Holdings family of companies).

What kind of credit card can I get at Sears?

Generally, for a private-label retail card, you can get approved as long as your FICO score is in the range of “fair to good” you can be approved. Sears, in particular, is believed to be one of the easier department store cards to get.

Can a Sears MasterCard be used at Kmart?

A Sears Mastercard can be useful for you if you would like rewards from shopping at Sears or Kmart but also need the flexibility to use the card elsewhere. When you apply for a credit card, you fill out an application that includes information about not just your credit history, but also your employment, residence, and income.

Who are the competitors of Sears credit card?

Sears has several competitors in the retail space that offer such cards and promotions, such as Walmart Stores Inc. (NYSE: WMT ), Home Depot Inc. (NYSE: HD ), Best Buy Co. Inc. (NYSE: BBY ), and Macy’s Inc. (NYSE: M ). Each of these retailers offers its customers credit cards.

Where can I use my Sears Shop Your Way card?

The most basic level of the Shop Your Way credit card available is the Sears Card, which customers can use in-store at Sears and Kmart, or online. Sears also offers the Sears “Shop Your Way” MasterCard, which customers can use to purchase items anywhere MasterCard is accepted. 2