To put it lightly, we wouldn’t recommend you to ever get a Sears credit card, not to mention any other store credit cards. Sears offers discounts or special financing for a short period. However, this special financing option somes with a price. It’s called deferred financing. You are really going to get a 0% intro APR offer for some time, but after it ends you don’t have to pay interest on the remaining sum. You’ll have to pay the interest on the balance starting from the say of your first purchase, and and it may result in tremendous sums. So, we sould strongly advise against it if you have the slightest doubt you’ll be able to pay off the balance on time.
Speaking about other options, there are plenty of them. General credit cards with 0% intro APR give you special financing for much longer periods than store cards. Besides, if you are unable to pay off the balance within the intro period, you’ll have to pay the interest only on the remainder. Here, on our site, you can find a wide selection or credit cards with the 0% intro APR offers, and they even come with generous rewards on your purchases. For example, the Discover it® – Cashback Match™ card gives you 5% in rotating categories (you have to activate those) and a 14-month no interest period on purchases and balance transfers. If you are a frequent traveler, take a look at Discover it® Miles. With this card, you can get 1.5 miles on all purchases and 14 months of 0% intro APR. For both cards Discover matches all the miles or cash back you earn for the first year or card usage (only for new cardmembers).
If you are looking for longer promo periods, there are also credit cards for you. The Citi Simplicity® Card and the Citi® Diamond Preferred® Card both give you 21 months 0% intro APR on purchases and balance transfers. It’s almost 2 years without any interest – an outstanding offer for shopping at any stores. Don’t forget that all of these cards work at any store, Sears and all others too.