Sears Credit Card Login – Manage My Sears Card:

Sears Credit Card Login

Is A Sears Card Right For You?

UPDATED December 8, 2017 – We are all asked at check out if we have that store’s credit card. So it’s no surprise that Sears also has a store credit card( Which leads most people to ask, should I get a SearsCard? There are personal factors to consider: do you have a good credit score, is it only for in-store purchases, what precautions are taken against identity theft, is there an annual fee and what are the interest rates are a few concerns customers have. We are in no way affiliated with Sears Credit Card, continue reading for Sears Credit Card login access.

Many consumers believe that the Sears Credit Card gives them lots of flexibility over other store credit cards. Sears partners with Citibank giving customers the ability to use any of these CitiBank Cards at all Sears and associated stores including, the company’s outlet store, Great Indoors, Land’s End and K-Mart. Citibank offers 4 different Sears credit cards to choose from:

  1. Standard In-Store Card
  2. Home Improvement Account
  3. My Sears Card (MasterCard)  
  4. Commercial One

The Home Improvement card is excellent for those getting ready to make some home upgrades especially if you’re low on savings.  The Commercial One credit card is great for business owners looking to get some extra benefits. It’s a good idea to check out before you make your decision between the different CitiCard. The website also allows you to fill out your Sears Credit Card application

1. SearsCard In-Store Credit Card

This is the basic card that can be used at all stores and any affiliated stores that fall under the Sears Holding Company’s umbrella that includes, K-Mart, Land’s End, all other Sears stores such as Hardware, Grand, Hometown Stores, and Auto Centers as well as all of the associated online stores. The standard Sears Credit Card is so versatile it can even be used at unexpected locations like Sears Repair and Home Services, Travel, Dental, Optical, Portrait Studios and Sears Flowers!

Some added perks the Sears card are no annual fee, special financing offers, monthly coupons and sales events, $0 liability to unauthorized purchases and identity theft resolution services. Additionally, it is easy to make returns and exchanges or purchase extend warranties. There are no fees if you want to add a family member to your account or get extra cards. This card does have a variable interest rate so you will want to make your payments in full and on-time each month.

Even though there are many benefits to having a Sears Citi Credit Card this basic card cannot be used outside of Sears and its affiliated stores or at ATMs. With the variable interest rate, it may not a be the right credit card for bad credit individuals. However, the card does provide many safeguards for identity protection and credit card fraud.

 2. My Sears Card Home Improvement Account

Owning a home comes with many joys and struggles. When it is time to remodel or upgrade your fixtures and appliances like your washer and dryer or perhaps you are wanting to upgrade your refrigerator to a commercial refrigerator because your business is growing beyond your home’s walls.  It can be a struggle to pay for those appliance upgrades upfront. With the Sears Home Improvement Account, homeowners can relish in a low-interest credit card. This credit card was designed specifically to help those customers looking for big-ticket items for their home renovation and remodeling projects. This credit card will also cover items such as windows and doors, vinyl siding, wallpaper and your heating and cooling needs. Not everyone has a big truck they can haul their purchases home in so that’s why the Sears Home Improvement Card also covers delivery and installation.

With no annual fee and the other benefits of the in-store credit card like identity theft protection with Citi Identity Theft Solutions. This service will cover you with $0 liability for unauthorized purchase and protection against credit card fraud.

3. Sears Credit Card

 If you were feeling a little constrained by the basic in-store credit card, rejoice at the advantages of the Sears Citi MasterCard! Unlike the basic the MasterCard can be used at outside stores. You also have the ability to now get cash advances from banks and pull money from ATM machines. Customers that apply for the MasterCard and pass the credit check can also use this card to consolidate balances from other cards. With the same flexibility and incentives as the in-store card, you will be surprised to learn there are even more pluses to the Citi MasterCard. Customers who qualify can enjoy interest-free financing, monthly savings, and promotions, and by using your MasterCard account you will earn points for every dollar spent.

 4. Sears Commercial One

The Commercial One credit card was created exclusively for companies and business owners. It provides an efficient way to purchase and monitor transactions with simplified expense tracking and record keeping. Customers can make purchases by phone, fax, and in-store and received itemized invoice details. With the companies and business owners also receive incentives from Sears Business Resource Center which provides cardholders with tips and information to make their business more successful.

Starting the Sears Credit Card Application Process

The SearsCard application process is simple, although qualifying if you have bad credit may prove to be more difficult. If you aren’t sure of your credit score you can have a free credit report run by one of the credit bureaus. You can apply in person, by phone or mail and online. For each of these methods, you will need to have your financial information on hand.

To Apply for SearsCard Online Visit Citibank

If you are wishing to apply for your SearsCard you will have to visit Citibank. Citibank manages all of the Sears credit card applications and online accounts and you can find all available credit card options at searscard

Managing Your Sears Credit Card Login

Since taking over all of Sears Credit Card login accounts Citibank Online has made setting up your online account easy. Giving users the convenience of making payments, checking balances, viewing payment history and updating their account all from their smartphone or computer. To setup a new account, you will have to register your card and establish Sears Credit Card login and password. Simply go to “My Card Account” at the top of the page and follow the instructions to either begin as a new user or login as a return user. searscard login

Issues with A Company SearsCard?

It should be known that many of the issues surrounding the SearsCard come from its management by Citibank. With many customers complaining that their accounts have been sent to collection agencies unjustly. It is wise for any credit card user to monitor their accounts to make sure they aren’t being taken advantage of.

In Short

Depending on your need and application the Sears Credit Card offers several plans to accommodate specific needs as well as general in-store purchases. It is up to the consumer to decide which plan is best for you and your financial situation to take advantage of this great credit card.

Company Contact Information

To reach the Technical Assistance Helpdesk with questions about your credit card login, please dial:


You can send mail to:

Sears Private Label General Inquiries, P.O. Box 6275, Sioux Falls, S.D., 57117
Sears Private Label Payments, P.O. Box 9001055, Louisville, KY 40290-1055,
Sears Payment Center/Overnight, 6716 Grade Lane, Building 9, Suite 910, Louisville, KY, 40213.

Sears Card Login Issues

Sears Credit Card login, please see Username Recovery
If you forgot your SearsCard password, please see Reset Your Password

Note: We are not affiliated with, and you should NOT contact us with any sensitive information that is of a personal nature. We are merely a resource that provides information.

Comments 9

  1. Mohamed A Zakiniaeiz
    • Jodi
  2. Teri A. Cox
    • Jodi
  3. Richard Bowman
    • Jodi
  4. luca battiloro
    • Jodi
  5. Geneva E Insko

Leave a Reply