Log in to your Sears Card – from Citibank, NA Account

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🔑 How to Log In to Your Sears Card Account

The Sears Card is issued by Citibank (Citi Retail Services) and allows you to manage your account online 24/7. Access your account through the Citi Retail Services portal or the Citi mobile app.

💻 Online Portal Login

  1. Visit the Citi Retail Services portal
  2. Click “Sign On” in the top right corner
  3. Enter your User ID (not your card number)
  4. Enter your Password
  5. Click “Sign On” to access your account

First-time user? Click “Register” to create your online account using your card number, SSN last 4 digits, and ZIP code.

📱 Mobile App Login

  1. Download the Citi Mobile app from App Store or Google Play
  2. Open the app and select “Retail Services”
  3. Enter your User ID and Password
  4. Enable biometric login (fingerprint/face ID) for faster access
  5. View balance, make payments, and track rewards

System Requirements: iOS 16.0 or later, or Android 8.0+. The Citi Mobile app provides 24/7 account access.


💳 Sears Credit Card Types

Citibank issues three main types of Sears cards, each with different benefits and usage options. All cards are managed through the same Citi Retail Services portal.

Sears Card (Store Card)

Usage: Sears, Kmart, and Sears Home Services only (closed-loop card)

  • Rewards: No rewards program
  • Special Financing: Available on qualifying purchases
  • Approval: Easier approval for fair credit
  • Best For: Frequent Sears shoppers building credit

Sears Charge PLUS Card

Usage: Enhanced benefits at Sears locations

  • Rewards: Points on Sears and Kmart purchases
  • Member Perks: Exclusive sales and events
  • Special Financing: Extended offers on large purchases
  • Best For: Regular Sears customers wanting rewards

Citi ThankYou Mastercard (formerly Shop Your Way Mastercard)

Usage: Accepted anywhere Mastercard is accepted worldwide

  • Gas Stations: 50 points (5% back) on first $10,000/year
  • Grocery Stores: 30 points (3% back) on first $10,000/year
  • Restaurants: 30 points (3% back) on first $10,000/year
  • Sears & Kmart: 20 points (2% back) on all purchases
  • Other Purchases: 10 points (1% back) everywhere else
  • Best For: Everyday spending beyond Sears stores

Note: The original Shop Your Way Mastercard was rebranded to Citi ThankYou Mastercard in April 2025. Existing cardholders were automatically converted with no changes to benefits or account numbers.


⚙️ Online Account Management Features

Once logged in to your Sears Card account through Citi Retail Services, you can manage all aspects of your credit card:

Account Information

  • View current balance and available credit
  • Check payment due date and minimum payment
  • Review recent transactions and purchase history
  • Download monthly statements (up to 24 months)
  • View year-to-date interest and fees paid

Payments

  • Make one-time payments (posts within 2 business days)
  • Set up AutoPay for minimum or full balance
  • Schedule future payments in advance
  • Add or change bank account information
  • View payment history and confirmation numbers

Rewards & Offers

  • Check rewards points balance (Citi ThankYou Mastercard)
  • Redeem points at Sears, Kmart, or Shop Your Way
  • View exclusive cardholder offers and promotions
  • Track special financing balances and deadlines
  • Browse current sales and member events

Security Settings

  • Change your password or User ID
  • Update contact information (email, phone, address)
  • Set up account alerts for purchases and payments
  • Report lost or stolen card immediately
  • Request a replacement card

Alternative Payment Options: You can also make payments by phone at 1-800-815-7701 (24/7 automated system) or by mail to: Sears Mastercard, P.O. Box 6286, Sioux Falls, SD 57117-6286.

🔧 Troubleshooting Login Issues

Forgot User ID

  1. Go to the Citi Retail Services portal
  2. Click “Retrieve User ID” below the sign-on fields
  3. Enter your card number (16 digits)
  4. Enter last 4 digits of your Social Security Number
  5. Enter your ZIP code and date of birth
  6. Your User ID will be displayed on screen or sent to your email

Forgot Password

  1. Click “Reset Password” on the login page
  2. Enter your User ID
  3. Verify your identity with card number and SSN
  4. Create a new password (8-20 characters, must include letters and numbers)
  5. Confirm your new password
  6. Log in immediately with your new credentials

Password Requirements: Must be 8-20 characters long, include at least one letter and one number. Cannot use special characters or spaces. Avoid using easily guessed passwords like birthdays or sequential numbers.

Account Locked

If you enter incorrect login credentials multiple times (usually 3-5 attempts), your account will be temporarily locked for security. To unlock:

  • Wait 30 minutes: The account automatically unlocks after a brief period
  • Reset your password: Use the “Reset Password” option to immediately regain access
  • Call customer service: Contact 1-800-669-8488 for immediate assistance (available 24/7)

Website Not Loading

  • Clear browser cache: Delete cookies and cached data for the Citi Retail Services portal
  • Try a different browser: Chrome, Firefox, Safari, or Edge (latest versions recommended)
  • Disable browser extensions: Ad blockers or privacy tools may interfere with login
  • Check internet connection: Ensure stable connection (try restarting router)
  • Use mobile app: Download Citi Mobile as an alternative access method

📞 Customer Service Contact Information

Sears Card customer service is available 24/7 through multiple channels:

Phone Support

  • General Customer Service: 1-800-669-8488 (24/7)
  • Payment By Phone: 1-800-815-7701 (24/7 automated system)
  • Sears Store Cards: 1-800-917-7700 (Sears Card, Sears Charge PLUS, Sears Home Improvement)
  • TTY Service: 1-800-695-1788 (for hearing impaired)

Tip: When calling, have your card number ready. You can say “skip” during the automated account summary to speak with a live representative faster. Sunday is the least busy day, while Thursday is the most busy.

Mailing Address

General Inquiries:
Sears Mastercard General Inquiries
P.O. Box 6286
Sioux Falls, SD 57117-6286

Payments:
Sears Mastercard
P.O. Box 6286
Sioux Falls, SD 57117-6286

Online Support

  • Account Portal: the Citi Retail Services portal
  • Citi ThankYou Card: Citi credit cards page
  • Sears Homepage: Sears website

🎁 Sears Card Benefits & Rewards

Your Sears Card benefits depend on which card type you have. Here are the main advantages:

Citi ThankYou Mastercard Rewards (Highest Earning Potential)

  • 5% back on gas stations (first $10,000/year in combined gas, grocery, restaurant spending)
  • 3% back on grocery stores (first $10,000/year combined)
  • 3% back on restaurants (first $10,000/year combined)
  • 2% back at Sears, Kmart, and Sears Home Services (no limit)
  • 1% back on all other eligible purchases
  • After $10,000 spending cap: 1% back on gas, grocery, and restaurants

Redemption Options: Use points in-store at Sears or Kmart, online at Shop Your Way, or redeem for gift cards and electronics. Points are valid for 12 months from the date they are awarded.

Special Financing Offers

All Sears Cards offer special financing on qualifying purchases:

  • 6 months deferred interest: On purchases $299+
  • 12 months deferred interest: On purchases $499+
  • 24 months deferred interest: On purchases $999+ (appliances, tools, lawn & garden)
  • 36-48 months: Available on select large appliances and home improvement projects

Important: If you don’t pay the full promotional balance before the offer expires, deferred interest will be charged back to the original purchase date. Always pay off special financing balances before the deadline.

Exclusive Cardholder Perks

  • Early access to sales and member-only events
  • Bonus points promotions throughout the year
  • Special birthday offers and anniversary rewards
  • Extended return periods (varies by store policy)
  • No annual fee on all Sears Card products

🔒 Security & Safety Tips

Protect your Sears Card account with these essential security practices:

✅ DO

  • Use a unique, strong password (8-20 characters)
  • Enable biometric login on mobile app (fingerprint/face ID)
  • Log out completely when using shared computers
  • Check your account regularly for unauthorized charges
  • Set up account alerts for transactions over a certain amount
  • Update your email and phone number to receive security notifications
  • Report lost or stolen cards immediately (1-800-669-8488)
  • Use secure Wi-Fi networks for account access
  • Keep your browser and mobile app updated to latest versions
  • Shred old statements before disposing

❌ DON’T

  • Share your User ID, password, or card number with anyone
  • Click on links in emails claiming to be from Citibank (verify first)
  • Save your password in public or shared browsers
  • Use the same password for multiple accounts
  • Access your account on public Wi-Fi without VPN
  • Write down your password in easily accessible places
  • Ignore suspicious charges or account activity
  • Give card information over the phone unless you initiated the call
  • Let anyone else use your card or account
  • Fall for “verify your account” phishing scams

Suspected Fraud? If you notice unauthorized charges or suspicious activity, call Citibank immediately at 1-800-669-8488. Citibank offers zero liability protection for unauthorized charges when reported promptly.

🔗 Related Credit Card Logins

Looking for other card logins? Check out these related guides:

  • Target RedCard
  • Walmart Credit Card
  • Amazon Store Card
  • Kohl’s Charge Card

❓ Frequently Asked Questions

Who currently issues the Sears Card?

The Sears Card is issued by u003cstrongu003eCitibank (Citi Retail Services)u003c/strongu003e, not Capital One. All Sears-branded credit cards, including the Sears Card, Sears Charge PLUS Card, and Citi ThankYou Mastercard (formerly Shop Your Way Mastercard), are managed through the Citi Retail Services portal.

How do I log in to my Sears Card account online?

Visit the Citi Retail Services portal and click u0022Sign On.u0022 Enter your User ID (not your card number) and password. First-time users need to register by clicking u0022Registeru0022 and providing their card number, SSN last 4 digits, and ZIP code.

What is the Citi ThankYou Mastercard and how is it different from the Sears Card?

The u003cstrongu003eCiti ThankYou Mastercardu003c/strongu003e (formerly Shop Your Way Mastercard) is a rewards credit card that can be used anywhere Mastercard is accepted. It offers 5% back on gas, 3% on groceries/restaurants (on first $10,000/year combined), and 2% at Sears/Kmart. The regular u003cstrongu003eSears Cardu003c/strongu003e is a store card that only works at Sears, Kmart, and Sears Home Services and offers no rewards but may have easier approval.

Can I make a Sears Card payment by phone?

Yes, call u003cstrongu003e1-800-815-7701u003c/strongu003e to make a payment 24/7 through the automated system. You’ll need your card number and bank account information. Payments made by phone post within 2 business days. For assistance with payment issues, call customer service at u003cstrongu003e1-800-669-8488u003c/strongu003e.

What should I do if I forgot my Sears Card User ID or password?

For u003cstrongu003eforgotten User IDu003c/strongu003e: Click u0022Retrieve User IDu0022 on the login page and enter your card number, SSN last 4 digits, ZIP code, and date of birth. For u003cstrongu003eforgotten passwordu003c/strongu003e: Click u0022Reset Password,u0022 enter your User ID, verify your identity, and create a new password (8-20 characters with letters and numbers).

Does the Sears Card have an annual fee?

No, all Sears credit cards have u003cstrongu003eno annual feeu003c/strongu003e. This includes the Sears Card (store card), Sears Charge PLUS Card, and the Citi ThankYou Mastercard. You only pay interest on carried balances and any applicable late fees.

How do I redeem my Sears Card rewards points?

Rewards points (available on Citi ThankYou Mastercard only, not basic Sears Card) can be redeemed in-store at Sears or Kmart, online at Shop Your Way, or for gift cards and electronics. Points are valid for u003cstrongu003e12 months from the date awardedu003c/strongu003e. Log in to your account to check your points balance and redemption options.

Can I use the Citi Mobile app to manage my Sears Card?

Yes, download the u003cstrongu003eCiti Mobile appu003c/strongu003e from the App Store or Google Play. Select u0022Retail Servicesu0022 when logging in. The app allows you to view your balance, make payments, check rewards points, and enable biometric login (fingerprint/face ID) for faster access. Requires iOS 16.0+ or Android 8.0+.

What are the special financing options on the Sears Card?

Sears Cards offer deferred interest financing on qualifying purchases: u003cstrongu003e6 monthsu003c/strongu003e on $299+, u003cstrongu003e12 monthsu003c/strongu003e on $499+, u003cstrongu003e24 monthsu003c/strongu003e on $999+ (appliances, tools, lawn equipment), and up to u003cstrongu003e36-48 monthsu003c/strongu003e on select large appliances and home improvement. u003cemu003eImportant:u003c/emu003e If you don’t pay the full balance before the promotion expires, all deferred interest will be charged back to the original purchase date.

How do I report a lost or stolen Sears Card?

Call Citibank customer service immediately at u003cstrongu003e1-800-669-8488u003c/strongu003e (24/7). Report the card as lost or stolen, and they will deactivate it and send a replacement card within 7-10 business days. You can also report a lost/stolen card through the Citi Mobile app or online account portal. Citibank offers zero liability protection for unauthorized charges when reported promptly.

Last Updated on February 11, 2026

URL: https://log-in.me/credit-card/searscard-fromcitibank-na/

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