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The Daily Insight Hub

What credit card does Sears use?

Author

Rachel Davis

Updated on January 30, 2026

Mastercard®
Sears shoppers have two card options, both issued by Citi: Shop Your Way Mastercard®: You can use this card at any merchant that accepts Mastercard, and it earns Shop Your Way points.

Can I pay my Sears bill with a credit card?

This toll-free line is open 24/7, and the automated system will take you through the process of making a payment. Or, you can visit any Sears location to make a Sears Credit Card payment in person. Make sure to bring your credit card bill, and go to the Sears Customer Service desk for payment processing.

Can you pay Discover bill at Sears?

You can pay your Discover Card bill at any Sears store. Just walk up to any cashier.

Is Sears credit card still good?

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.

Can you use a Sears credit card at a Sears store?

The Sears Credit Card offers the same benefits as a Sears Store Card, but it may also be used at millions of locations that accept Mastercard® credit cards. Get up to 5% off or special financing on select purchases. Don’t see what you’re looking for? Submit your question about Sears Credit Card to our community.

What’s the difference between Sears and shop your way MasterCard?

These cards are pretty similar in their costs and fees. Neither one has an annual fee, so you won’t need to worry about that. The main difference is that you can use the Shop Your Way Mastercard for balance transfers, but you can’t with the basic Sears Card.

Are there annual fees for a Sears Card?

There are no annual fees, but watch out for the high interest rates. Citi is a Credit Card Insider advertiser. Citi is a Credit Card Insider advertiser. We gave both of these cards 3 out of 5 Stars because they’re not a bad option for big spenders at Sears.

What happens to my credit card if Sears goes bankrupt?

Since the company that owns Sears and Kmart filed for bankruptcy in the fall, many customers are wondering what’s going to happen to their Sears store credit cards, gift cards and warranties if the company is liquidated. What happens to my Sears credit card?