Sears Mastercard

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.

The Tiers in the Sears Retail MasterCard Rewards Program

There are two separate tiers in the Sears Retail MasterCard rewards program. There is the regular rewards program and that is the store retail card if that’s what you’re interested in. You don’t have to pay anything up front and you will also get points for every dollar that you spend at Sears. On the other hand, there is the Choice Rewards Program and this is a selected membership with more perks and discounts, but the cost to receive the membership is $25.

The Points

The points that you earn on the rewards have an expiration date. If you don’t use them after three years then you don’t qualify from any reward that you could earn with the points that you’ve built up. If you do use the points then you can actually use them to travel or receive gift cards. Not all retail MasterCard’s are the same, which is why you should always look into the terms of agreement before you use them. If you want to use the Sears MasterCard Visa as a store retail card make sure that you know how the retail cards can also affect your credit score. Just missing one payment can affect your score.

If you don’t want either the retail card or the rewards card then consider the Discover More Card which is one that you can earn a rebate on every time that you shop at Sears. Have you ever been to shopdiscover.com? You can find this website through the Sears home page; it’s a card that Sears promotes because it isn’t necessarily a retail card, but a credit card that you can continue to earn rebates on.

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