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To put it lightly, we wouldn't recommend you to ever get a Sears Card® (Citi is a advertising partner), 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. You may choose 0% intro APR credit cards with rewards and other benefits from major issuers.