Sears Mastercard Reviews

Even with many people trying to cut back on the number of credit cards that they use, there are still several credits cards worth keeping in your wallet. There was a time when having store credit cards was the best way to go, this is no longer the case. With the Sears MasterCard you get the best of both worlds as you get started with a very low introductory rate and a discount on your first purchase when you apply for one in store and are approved.

You will also find that there are several other benefits to having this particular Sears credit cards, such as the fact that unlike their in store credit card, you can use this MasterCard to shop anywhere that accepts MasterCard for payment. Now your Sears card gives you the freedom to shop anywhere that you need to instead of being stuck using it only in Sears or Kmart.

Once you have been approved for a Sears MasterCard, you will also be automatically enrolled in their newest program, the Sears Choice Rewards Program. In this program, for every dollar that you spend, you will be rewarded with one point. As you spend, the points will accumulate, once you have reached 2,500 you will find that there are rewards available for you to spend them on. The more points you accumulate, the bigger the rewards can be, including cruises, airplane tickets and special vacation deals.

Of course you can also exchange them for Sears’s gift cards, which might be one of the most important benefits of all. There are of course other benefits as befitting a worthwhile program such as gift certificates to restaurants such as Chili’s and The Olive Garden. You can also buy certificates for Barnes and Noble as well as Land’s End, even gas for your car at Shell gas stations. You do have a maximum of 60,000 points per calendar year and all points have an expiration date, so you will have to keep a close eye on them.

For those looking for a store branded credit card, the Sears MasterCard has many advantages, including the ability to return items that you have purchased without the need to keep your sales receipt. One last benefit to this card is being able to use it in both Sears and Kmart even if you forget to bring with you, as both stores will issue you a temporary card as long as you have a valid picture ID card. This is truly a very versatile credit card for anyone looking for a new credit card.

Now that you have your Sears MasterCard personal account you have a highly flexible credit card that you can use to buy anything that you would buy with any other MasterCard at any business that accepts credit cards. This is not the same as your regular Sears Card and is a completely separate account handled by a different lender. Because this card is issued by Sears, there are a few extra benefits that apply to it that you will not get any other way.

To start with as soon as you are issued your new Sears MasterCard personal account, you will also be enrolled in the Sears Reward Points program that rewards you with 2 points for every dollar you spend in Sears or Kmart and one point for every dollar you spend anywhere else. You can save your points and trade them in for discount coupons and gift cards for a variety of stores, restaurants or even airlines for discounts on travel, you will find out more about this when you apply for your account.

With a Sears MasterCard personal account you will also be able to register and have complete access to your account online. Now you can get paperless statements emailed directly to you online and then login into your account and make a payment. No more waiting for your statement to come in the mail and for your payment to get lost on the way back. With electronic payments, your payment is instantaneous allowing you to make a payment at any time night or day all the way up until and including the actual day it is due.

As the owner of a Sears MasterCard personal account you will receive special sales and discounts that are for cardholders only. These sales are for a range of Kenmore appliances, Craftsman tools and many different items in the electronics department. Should you find that someone has been making unauthorized purchases using your card, you are fully protected and will not be held liable for them.

For those who have a Sears MasterCard personal account, you never have to worry about returns either. As long as you used your card to make a purchase you can return it without needing to have the receipt with no questions asked. As you can see there are several advantages to having your own personal Sears MasterCard account compared to many of the other credit cards that are available today.