Sears is one of the country’s oldest department stores, set up in 1886 to provide products via mail order nationwide. By 1925, Sears had opened their first retail outlets, and today the company is based across 793 locations throughout the US, with revenues in excess of $36.2 billion in 2013.
The Sears Card credit card offers customers all the benefits and flexibility of a regular credit card, along with a host of savings, discounts and loyalty rewards for spending at Sears. But before we start to carve up the pros and cons of the Sears Card (and whether you should apply for one), what does the application process involve?
Applying and Activating Your Card
Applying for a Sears card is straightforward, and with a few basic details to hand you can complete the application process in seconds. When applying for your card, the card issuer will look at your personal details and circumstances to decide a credit limit, and to establish whether you meet their qualifying criteria for a card as a customer.
Once you have received your card, you will need to verify your card at activate.searscard.com before you can begin to use it. You will see a short form like in the screenshot of activate.searscard.com below, where you can update some basic details about your card, like the card number, the card security code and the name on the card, as well as your Social Security Number.
This process is required to activate your account at activate.searscard.com before spending on your new card, or claiming any of the associated benefits and rewards. You can login to view your account from the Sears Card homepage (https://www.citibank.com/us/cards/srs/) by clicking on the My Account button in the top right hand corner of the screen.
This will allow you to see when your card has been activated, so you can start spending and rewards and benefits as quickly as possible. The My Account link allows you to manage different elements of your account as you move forward, including making payments, handling balance transfers, and monitoring your spending activity so you can keep an eye on how you’re using your card.
Pros and Cons
The Sears Card is a good option for those who shop in Sears, or any of a number of major national retail outlets including Kmart. Card holders also get first notice of upcoming sales, offers and discounts at Sears, in addition to a range of coupons and savings.
For those who have a keen eye for the best deals, the Sears Card can be a particularly good option. There are better interest rates available on the market for those with great credit, but the combination of competitive rates and a range of benefits make this the perfect option for the avid Sears shopper.
Before applying for a Sears card, or activating your new card, it’s always advisable to get together your personal details, such as your address, social security number and card details, where applicable. This will help speed up the process, so you can start using your card and benefiting from the rewards as quickly as possible.