Sears

This card is built for existing Sears shoppers who want a simple store-linked rewards card without paying an annual fee. In practice, it is a very narrow card with basic everyday earning, so it makes more sense as a loyalty add-on than as a primary credit card.

Annual Fee

Rec. Credit Score

Good

Good For

Sears loyalists

How to Apply Estimate your value

All information about Sears has been collected independently by MaxRewards. Sears is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Sears worth it?

This card is great for...

Sears store purchases

No annual fee spending

Simple one-card use

For most readers, this card is only worth considering if you already shop with Sears regularly and want to keep your rewards tied to that ecosystem. With no annual fee, there is little cost to holding it, but there is also very little upside beyond basic 1% earning.

As an everyday card, it is hard to recommend. A flat 1% return is easy to beat, and there are no listed statement credits, travel perks, or protections to make up the difference. If you want a simple card for general spending, many no-annual-fee options offer stronger rewards and broader value.

MaxRewards Verdict

The Sears card fits a small group of loyal Sears customers who want a no-annual-fee store card with straightforward rewards. For general spending or long-term value, most people should look elsewhere.

Earning

Rewards

Rewards here are straightforward: you earn Sears points at a flat rate, with no bonus categories to track. That keeps the card simple, but it also means the return on everyday spending is modest.

CategoryRate

Everywhere

Rewards percent based on a valuation of 1¢ per Sears point

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing