A Sears credit card is a valuable tool for any modern-day consumer who is thinking of a way to save while shopping. It has no annual fee and gives incentives like special coupons that are available when cardholders use their cards and invitation to private sales. Also, if you lose the receipt, returning an item bought using the credit card by Sears is no problem. Since Sears has sales throughout the year, you can get an extra 10-20% discount when you buy using your credit card by Sears.
Credit card by Sears is issued by Citibank and can be utilized in different Sears retail stores and affiliated stores like Kmart and Avis. You can open an account via credit card by Sears online or at a Sears department store. I advise on applying on one of their stores because you might receive a discount of the first product you will buy.
There are four different credit cards you can choose from: Sears credit card, Sears Gold MasterCard, Sears Commercial One Card, Sears Home Improvement Account. With the standard retail card, you can get the benefits I mentioned earlier. The Sears Gold MasterCard has additional advantages. You can use it at any sales outlet, bank and ATM that allows the use of MasterCard. It has a point system called Sears Choice Rewards program which permits you a point with every $1 you spend. You can use the accumulated points and redeem them to get products, gift certificates to restaurants and travel agencies. The Sears Commercial One Card is for business owners who want to trace and be kept updated of their monthly transactions and purchases. With this, card members are provided with tools to help them out in their businesses via the Sears Business Resource Centre.
Included in the benefits are product discounts with their partner organizations. Lastly, you can apply for the Sears Home Improvement Account if you want to renovate your home. You can purchase expensive equipment and furniture and have them installed by Sears trained personnel. Save by using the low interest payment plans of your Sears Credit Card.
If you’re a frequent shopper and spend over $600 on a credit card by Sears in a year, then you are automatically enrolled to Sears Premier Program which offers coupons, discounts and shopping events not accessible to other cardholders and non-cardholders. To stay on this VIP program, you should continue spending over $600 each year.
Through AccountCare, you can protect yourself during family emergencies such as unemployment, illness or death. Pay $0.96 for every $100 carried on the card; no payment is required if you have $0 balance. This program is exemplary for it cancels out your balance of less than $10,000 if you are jobless or injured for more than six months. If you die, your family members need not be worried about paying your Sears credit card balance because it will be cancelled.
So what are you waiting for? Get your Sears credit card and start spending and saving now.