Sears Credit Card

On select product categories at Sears and Sears.com. Exclusive Savings. Cardmember-only events, plus savings and special offers. Easy Card Management. 24/7 access and bill payment through your Account Online. Account Protection. $0 Fraud Liability on Unauthorized Purchases and. Citi Identity Theft Resolution. Enjoy savings on your favorite brands with special financing, special offers, exclusive events and coupons.

Sears Credit Card (2)

Sears Card

  • Enjoy savings on your favorite brands with special financing
  • special offers, exclusive events and coupons.

Sears Mastercard® with Shop Your Way

  • Earn More Shop Your Way Points in More Places
  • Global Acceptance
  • Monthly savings, special offers and special financing
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Alternative Credit Cards of Sears Credit Card

Capital One® Platinum Credit Card

The Capital One® Platinum Credit Card is a good card if you have average credit and need a simple-to-use credit card that offers standard benefits.

Capital One® QuicksilverOne® Cash Rewards Credit Card

The Capital One® QuicksilverOne® Cash Rewards Credit Card is designed for fair or average credit. It comes with a reward of 1.5% cash back, along with some decent extra benefits. But you’ll need to pay a $39 annual fee to use the QuicksilverOne.Pay your first 5 monthly payments on time to get access to a higher credit line, a pretty good feature to have.We picked this card as one of the Best Credit Cards for Fair Credit.

Discover it® Cash Back Credit Card

The Discover it Cash Back credit card is one of the main credit cards from Discover. Its most appealing features are the scarcity of fees and the abundance of rewards.New cardmembers get double cash back on all the rewards earned in the first year. That’s a great deal that you won’t find from other card issuers.The Discover it has a 14-month 0% interest rate, a pretty long period for paying off purchases at no interest. There are also some basic shopping and travel protections, plus the ability to monitor one of your FICO 8 Credit Scores.Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.

Discover it® Miles

INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel! . Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee. . No Blackout Dates - fly any airline, stay at any hotel. . Redeem your Miles as a statement credit towards travel purchases. . Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers. . Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. .

Capital One® VentureOne® Rewards Credit Card

Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel. Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture. . Fly any airline, stay at any hotel, anytime. Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that. Travel when you want with no blackout dates. No foreign transaction fees.

Credit One Bank® Visa® Credit Card with Cash Back Rewards

Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply. Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app. Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc. Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge. Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.

Capital One® SavorOne℠ Cash Rewards Credit Card

Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn. 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that. 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months. No foreign transaction fee.

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Store Credit Cards

Sears Card

  • Enjoy savings on your favorite brands with special financing
  • special offers, exclusive events and coupons.

Sears Mastercard® with Shop Your Way

  • Earn More Shop Your Way Points in More Places
  • Global Acceptance
  • Monthly savings, special offers and special financing

BP Credit Cards

  • Redeem earned rewards at the pump
  • $0 Fraud Liability
  • ATM Cash Access
  • No annual fee

Disney Premier Visa Card

  • after you spend $500 on purchases in the first 3 months from account opening.
  • This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Forever 21 Credit Card

On select product categories at Sears and Sears.com. Exclusive Savings. Cardmember-only events, plus savings and special offers. Easy Card Management. 24/7 access and bill payment through your Account Online. Account Protection. $0 Fraud Liability on Unauthorized Purchases and. Citi Identity Theft Resolution. Enjoy savings on your favorite brands with special financing, special offers, exclusive events and coupons.

1. What is a store credit card?

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards allow cardholders to earn and redeem points when making purchases. Store credit cards appear first before credit cards because department stores used to offer special offers to customers to reward their loyalty to a particular store or brand. In addition to the standard rewards program, store credit cards offer in-store discounts and special rewards. Store credit cards have a cash back feature that gives you a discount when you spend money on the retailer's card.

2. What are the benefits of store credit cards?

A reasonable annual fee

Many great store rewards cards don’t have an annual fee.

Save money at your favorite stores

Store rewards cards have different rewards programs which are great ways to save money, especially you are a frequent customer of that shop. For example, My Best Buy Credit Card offers as much as 5% cash back.

Additional sign-up bonuses and benefits

Many store reward cards attract new customers with a sign-up bonus. What’s more, some store reward cards offer extra benefits, such as discounts, free shipping, a birthday gift and extended return policies.

Easy to get and can help you to build credit

Because of store credit cards’ high interest rates and low credit limits, they are easy to get with fair or poor credit. If you can use it responsibly, this is an opportunity to build up your score.

3. What do you need to apply for a store credit card?

Credit score

Banks approve much lower credit scores for store cards. Therefore, applying a store card is an ideal way for someone with a fair or poor credit score to rebuild his or her credit.

Credit card application

You can apply for a store credit card online, in-store or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

4. How to use a store credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Take advantage of sign-up bonuses

Many reward credit cards provide sign-up bonuses, please remember to take advantage of sign-up bonuses before they expire.

Maximize your rewards

Reward credit cards offer many ways to help you to save money on everyday items and big-ticket purchases. Keep an eye out for earning double or triple rewards opportunities. In addition, you need to know when your reward points will expire.

Use two store rewards credit cards

Business credit cards can earn points when shopping in specific stores or buying a certain type of merchandise. So it is a good idea to apply for store credit cards according to your shopping habits to get more rewards. For example, if you are a Walmart regular for daily necessities, and you also need to fuel the car, you can prepare one Walmart credit card and one gas rewards card. But we don’t recommend you to take out too many cards at once, because each credit card application may make your credit score lower. So it’s best to add credit cards slowly and allow your credit to build over time.

Plan and budget

It is easy to become impulsive in getting rewards. Don’t spend more than your budget. Earning rewards is not a valid reason to go over your budget.

Pay your bill in full on time

Many store rewards credit cards provide rewards program, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

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