Sears Mastercard

Up until recently the only credit card Sears issued was their own Sears charge card, the only place you could use the card was in a Sears store or to shop at Sears.com. Recently they have decided to join with many other stores and in conjunction with Citi Bank issue a Sears MasterCard. You can of course still obtain and use the Sears Card, their MasterCard is however, a far more flexible credit card and like any other MasterCard can be used anywhere that accepts credit cards.

When you have a Sears MasterCard, you will receive monthly mailings with special discounts and coupons that are only sent to those who have this card. They offer a program that will allow you to access your credit score any time you need to for as long as you choose to participate in their Credit Score Access program. This program is subject to certain terms and conditions that are explained on their website.

If you’ve ever been shopping at Sears then you’re probably aware of all of the benefits that come along with having an account card. You can use the Sears Credit Card at any Sears store and at any affiliates store. There are quite a few affiliates that you can shop from – such as, Kmart and Lands’ End. You can use your Sears Credit Card at any online store without any hassle. Why do you have the availability of using your Sears Credit Card anywhere?

The Benefits

Both Sears and Citibank have teamed up to bring you a credit card that benefits you in the long run. With rewards and special discounts you can actually benefit from your Sears card without having to worry about high interest rates or people who immediately hike up the cost of spending. You can use your Sears Credit Card at even more places depending on the type of card that you have.

The names of credit cards can be confusing if you don’t know what each card entails. Is the Sears MasterCard Visa a store retail card? The answer is yes! Both Sears and its affiliates allow you to use their cards both in their store and at their affiliates depending on what type of card it is that you choose. Using it as a retail store card has its perks because you can qualify for major discounts. There are new sales that come up every week – if you’re a steady customer you may even qualify for the rewards programs. The Sears retail MasterCard allows you to stock up on points and even get cash back on some of your purchases after a certain amount of shopping trips.

Anyone who has visited a retail store may remember all of the many times they have gone up to the cash register and been hit with the cashier asking them if they want to get the store charge card, to “save up to 15-20% on their purchase.” While many of us turn down the offer, there’s a great deal of customers who will take up the offer just to get the discount on the items that they purchased. Of course, before receiving the card you have to be approved for it.

Using Your Sears Credit Card

There are many loyal customers who shop at Sears and are contemplating what type of charge card they want to get. They wonder whether or not the Sears MasterCard Visa is a Store Credit Card or if it is a charge card – the answer is, both! If you choose to apply for the Sears MasterCard Visa then do know that opening a new account at all could potentially affect your credit score, depending on its rating. There are store cards that have their perks and downfalls, but if you are responsible with the card then it can be a rewarding experience.

Have you ever received a bank statement and seen any charges that you were unaware of? Sometimes, reading them can be confusing and it leaves customers with a lot of questions. Well, retail department stores have statements that run the same as any bank statement would. This is a good thing because you have the option of checking out your statement if you feel that there has been any suspicious activity on your account.

You can take a look at the Sears MasterCard Statement and see at which store the transaction has been made, what time and what the items were. You have the option of doing this because you have a special account with them!

Searscard is a retailer card which can be used like a credit card. You can gratify your instant shopping urges even if your credit card is maxed out. Sears provide four types of cards namely the Sears Credit Card (standard one), the Sears Commercial One Card, Sears MasterCard and Sears Home Improvement Card. Each of these has its own set of benefits and suit different needs.

Among these, the standard one is the most widely used in the US and is commonly known as the Searscard. If you have a Searscard and an access to the internet, you can go directly to the Sears site online to make your payment. It makes the shopping much easier and fun filled. It gives you endless online possibilities.

Many businesses and credit card companies have made maintaining and managing your finances online extremely convenient. Sears has done the same with www.searscard.com. Though basic, the www.searscard.com website is useful.

Homepage

On the front page of www.searscard.com, you will find a montage of boxes and links in various hues of blue and gray. A handful of orange buttons pop out to help you find important and frequently used pages, such as:

• How to apply for a Sears Card.
• Signing into your account.
• Becoming a bonus member.

Tabs on the top of the screen will lead you to pages with information you may be looking for. These tabs appear on top of every page which makes it easy to move from one topic to another instead of always having to back to the homepage. The page you are on is written in orange so you do not click on the same page over and over.

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