Shop Your Way Sears Credit Card Application

Shop Your Way Sears Credit Card Application Review

Do you have a Sears credit card? Perhaps you have no idea about the Sears reward points you can earn. What about the Shop Your Way program? If these are new for you, you’re in luck. We’re going to go over how to apply for Sears credit card application and how to redeem Sears points. We’ll also talk about the Shop Your Way program. By the end, you’ll have a great understanding of how this card works.

Understanding the Shop Your Way Program

First up is the Shop Your Way program from the Sears credit card. It’s unique, and one huge reason why Sears has such a loyal customer base. Sears rewards points act as your virtual currency. Shop at The Great Indoors, Kmart, Sears, My Gofer or Landers’ End and earn 10 base points for every $1. When you earn 1,000 points, you’ll earn $1 to redeem.

Important: Know When Your Shop Your Way Reward Points Expire

You’ll earn points every single time you shop with your Sears card. They can take up to a week to appear in your account. Once you earn your points, you have one year to redeem Sears points. If you don’t use them within a year, the points will expire. Sears will send you a notification before they expire. So this will allow you to use them up.

Additionally, any Sears reward points you earn from special offers expire before a year. You’ll get an online account where you can view your points. You want to check this account often for Sears reward points expiration dates. When you have a group of Sears reward points that expire at different times, the online app is extremely valuable.

To find your point information, start by logging into your account. Navigate to your Account History page and check your points. You can also click on your username in the upper right-hand corner of the app. Then click on the “My Orders” tab to view your points.

How Do You Earn Sears Reward Points and Where Can You Spend Them?

You can earn Shop Your Way rewards points by first shopping at the stores we mentioned earlier. If you’re shopping in person, give your phone number, Member number or email at checkout. They’ll add your points to your account. If you shop online, you can add your Member number to your profile or add it at checkout.

You can also earn points on layaway. Just provide your Shop Your Way information when you set up the initial layaway. You’ll get your points when you make your final payment.

Do you use the Kmart pharmacy? If so, you can earn 500 points for every qualified prescription you fill or refill. However, they are restrictions to using the Kmart pharmacy. Prescriptions paid for by the state or Federal government aren’t eligible. Prescriptions you buy in AL, AR, MA, MS, NJ, and NY also aren’t eligible. Controlled substance prescriptions bought in LA also aren’t eligible.

How to Shop Your Way rewards points

You may wonder how to redeem your Shop Your Way rewards points. Luckily, there are several easy ways redeem Sears points. You can redeem them either online or directly in person. Places where you can use your Shop Your Way rewards points include:

  • Sears
  • Sears Grand
  • Sears Essentials
  • Sears Hometown Stores
  • Sears Home Appliance Showroom
  • Sears Hardware
  • Sears Outlet
  • Sears Auto Centers
  • Kmart
  • Lands’ End
  • MyGofer

Currently, you MAY NOT redeem your Shop Your Way points Sears on Sears Home Services.

Additionally, you can use your points with any other special offers or discounts you may have. They also work with checks, credit card, and cash purchases. You won’t need to use your PIN if you redeem $25.00 and under in points and can show a valid ID. Anything over $25.00 requires a PIN. You get your PIN by logging into your account, clicking your username and clicking the “Membership” button.

These are Some Helpful Sears Links:

Sears Store Locator
Kmart Store Locator
Sign Up for Shop Your Way Rewards
Sears Store Ads
Kmart Store Ads

Sears Credit Card Application

The Sears credit card application process is very straightforward. You can fill out the Sears credit card application online or in your local Sears store. You’ll need your relevant information like your name, social security number, address, etc.

Once you fill out the Sears credit card application, you’ll know within minutes if you can get the card. The Sears credit card application is a good choice for people with not so perfect credit. You’ll be able to use your card right away once you get approval. Sears will mail your Sears credit card to your home within 7 to 10 business days.

Shop Your Way® Sears Mastercard® Application

Shop Your Way points are easy to earn with the Shop Your Way MasterCard Citi Sears credit card application.

Reviewing the Sears Credit Card

Now that you know what the Shop Your Way program is, you have a good understanding of this card. We talked about earning and redeeming points as well. We’ll do a quick review of the Sears credit card next.

Citi Sears MasterCard Pros

Statement Credit
You’ll earn a $40 statement credit when you purchase $50 in items within 30 days of opening the card. This is extremely easy to earn, and it’s a great incentive to use your card right away. You do have to do an online application for it to count. This offer is valid from 11/1/18 through 1/31/19. So if you don’t have a Sears card, now is an excellent time to open an account.

Monthly Deals

Cardholders also get access to exclusive events and monthly deals through their email. So you’ll be eligible for special Shop Your Way bonuses and in-store specials. Also, you’ll get coupons and discounts linked directly to your account. Finally, you can find all of these deals by checking every month.

Purchase Protection and Account Protection

Worried about fraudulent purchases or not getting the best deal? With the Citi Sears MasterCard, you don’t have to worry. This card comes with $0 fraud liability for all cardholders. You’ll get Citi Identity Theft Resolution as well. If you find the item for a lower price, you’ll get price protection. Finally, cardholders get an extended warranty on certain purchases.

MasterCard Global Acceptance

You can use the Citi Sears MasterCard all over the world. MasterCard is one of the most widely recognized credit card companies. This means that it’s very easy to find a vendor that accepts this card. You’ll be able to use it to travel without a problem.

Shop Your Way Rewards Points

Your Shop Your Way points can stack up very quickly depending on where and how you use your credit card. You get a $10,000 cap for purchases on gas, grocery stores, and restaurants. Once you hit it, the below percentages drop to one percent. Current Shop Your Way redemption percentages include:

Purchase Percentage of
Points Back
Gas Stations
Five Percent 100,000 $100
Grocery Stores
Three Percent 120,000 $120
Three Percent 30,000 $30
Sears and Kmart
Two Percent 40,000 $40
Other Items
One Percent 10,000 $10

Easy to Complete the Sears Credit Card Application

The Sears credit card application is very simple and straightforward. So you can fill it out online or in the store. It only takes a few minutes to fill it out. You’ll get your approval or denial within minutes. Additionally, you can use your card straight away after approval.

Citi Sears MasterCard Cons

Reward Percentage Drops

Unfortunately, your Shop Your Way rewards have a cap. Once you hit $10,000 between gas, groceries, and restaurants, the rewards percentage drops. You’ll go from five and three percent for these categories down to one percent. While this isn’t a terrible rate, it can take longer to earn points.

Rewards Expire

For base points, you have one year to use them before they expire. Special points can have shorter expiration dates. This means that you have to pay extremely close attention to expiration dates. If you don’t, you’re in danger of losing your points. It can be difficult to track all of your points if you shop a lot. Avoid letting these credit card rewards from expiring.

Prescription Restrictions

While you can earn huge points at the Kmart pharmacy, there are several restrictions. Only certain classes of medications count for your rewards. Therefore certain states don’t participate. You also can’t get your points if the Federal or state government covers part or all of your costs. You need private insurance, or you pay out of pocket to use your card on non-controlled substances.

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Shop Your Way® Sears Mastercard® Bottom Line

Finally, the Sears credit card is a solid choice for people who do a lot of everyday shopping. So if you spend a lot of money at Sears, you may want to consider this card. The Sears credit card application is very straightforward as well, and this makes it popular. Finally, the Shop Your Way program is an excellent incentive for new customers to sign up and use this card.

Monica Kowollik


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