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No, the Shop Your Way program is not a credit card nor does it offer financing. Sears does have a branded credit card that offers financing - Sears Card® (Citi is a Credit-Land.com advertising partner). However, the interest rate is very high. Also, if the balance you financed is not totally paid off within the time frame stated in the terms of the agreement then you will be charged the sky-high interest rate back from the original date of purchase.

There are many bank cards that offer 0% promotional interest periods. If your credit is good, which it would need to be in order to obtain the Sears card, you will be looking at a much lower interest rate on the 0% card after the promotional period has expired, compared to the Sears card which has a variable rate which hovers around 25%. Also you will not be charged the back APR in the event that you cannot pay your balance on time.

tags : Shopping Travel Rewards

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.