The Sears Credit Card is a great way to earn savings on your household appliances each year. And because one size does not fit all, Sears offers you three options to choose from.

Before we go into what makes each card unique, let’s take a look at the main benefits of the Sears Credit Cards.

Where You Can Shop

You can use your Sears card to shop at Sears and Kmart stores and qualify for great deals on top brands such as Kenmore and Craftsman. The appliances range from tools to dryers to refrigerators. Basically you should be able to save on most, if not all, of the household appliances you might use.

Customer Service

You know how sometimes you need an urgent credit card query answered at 3:00am, but your provider’s office is closed. Well with the Sears Credit Card that won’t be a problem. The customer service department is opened 24/7 so you’ll never be left hanging.

Sears Credit Card Options

So what does each card have to offer? Take a look at the Sears Card first.

• Account Care so your card is cancelled if you experience job loss, disability, leave of absence or hospitalization. This is optional so if you want it, you must apply separately.
• You can also apply for Life and Health Insurance
• There is no annual fee on this card which is good
• You’ll have piece of mind knowing there is $0 liability on all unauthorized purchases.
• If you want to return an item you purchased but you misplaced the receipt, no problem. With the Sears card you can still return your item.
• When shopping at Sears and Kmart stores, if you forgot your card you can still enjoy shopping using a temporary shopping pass.
• You are entitled to special financing and product savings as a Sears cardholder

The next card on the list is the Sears Gold MasterCard. And here is what it offers.

Most of the benefits of the Sears card are available with the Gold MasterCard. The extra benefits are listed below.

• On all eligible purchases in the rewards program, you’ll earn 1 Sears Choice Rewards point for every dollar you spend. This option is only available with the Sears Gold MasterCard. Rewards aren’t limited to appliances however, you can access travel rewards if you are more into vacations than household goods.
• You’ll be able to use your card at Kmart, Sears or Lands’ End and wherever you see the MasterCard sign.

Redeeming your rewards is very simple, you can either redeem online on in-store for all the great savings.

The third card in the Sears range is the Sears Commercial One Card

This card has two options; you can apply if you are in general business or if you are in property management. For your convenience, forms can be downloaded from the Sears website.

The Key Benefits of This Sears Credit Card

• There is no annual fee to worry about
• You can use the card to easily organize expense tracking
• All your record keeping is simplified
• Business invoices are itemized for further detail
• Enjoy the convenience of in-store, fax or phone ordering
• You enjoy the same savings and benefits on Kenmore and Craftsman products

The final offering by Sears is the Home Improvement Account

The idea behind this account is to manage payment on those larger installed purchases such as heating, air conditioning or kitchen remodeling. By using this account, you can keep your credit line on your Sears card free for smaller purchases.

So there you have it, not a bad line up from Sears. If you need household appliances, then this offer is a pretty good one.

Hopefully with the information above you can feel more confident to apply for a Sears Credit Card.