I want to get a Sears Mastercard. Are there other... - Featuring Credit Cards Questions


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Credit Card Applications » Questions » User Questions » Featuring Credit Cards » I want to get a Sears Mastercard. Are there other options with the 0% offer to earn...

I want to get a Sears Mastercard. Are there other options with the 0% offer to earn rewards at Sears stores?

Answered on | Updated on November 8th, 2017
The content is accurate at the time of publication and is subject to change.
This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.

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® Cash Back card gives you up to 5% cash back in rotating categories that change throughout the year (up to the quarterly maximum each time you activate), all other purchases earn 1% cash back, and a 14-month 0% intro APR period on purchases and balance transfers (14.24% - 25.24% Variable after that). If you are a frequent traveler, take a look at the Discover it® Miles. With this card, you will earn 1.5 miles on all purchases and will get 14 months 0% intro purchase APR. When the introductory interest rate is over, the ongoing APR of 14.24% - 25.24% Variable will apply. For both cards Discover matches all the miles or cash back you earn for the first year of 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 - No Late Fees Ever gives 12-months 0% intro APR on purchases and 21-months 0% intro APR on balance transfers (when the introductory interest rate is over, the ongoing APR of 16.99% - 26.99%* (Variable) will apply), the balance transfer fee is 5% of each balance transfer; $5 minimum. That's more than a year 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.

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.
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