How to Make a Sears Credit Card Payment (4 Easy Ways)

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Sears at Del Amo Mall

Sue Hwang / GOBankingRates

As a large nationwide retail chain, Sears offers items such as appliances, tools, clothing, shoes, home furnishings and more. In fact, Sears offers a way to help fund those purchases: a Sears credit card or a Shop Your Way Mastercard — both issued by Citibank.
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Using a Sears credit card or Shop Your Way Mastercard earns rewards and benefits such as 5% off or 12 months of interest-free financing on select items of $299 or more, or earn 1%-5% points on eligible purchases.

To enjoy the benefits of your credit card rewards, you must keep your Sears credit card account up to date by using one of the available payment options. Here’s everything you need to know.

Table of Contents

How to Make a Sears Credit Card Payment Online

You can submit your payment through the online portal. First you need to register your Sears credit card. To do this:

  1. Go to the login page for your Sears credit card or Shop your way Mastercard.
  2. Click on the “Register your card” link under the “Sign up” button.
  3. Enter your card number and select “Continue” to set up a user ID and password.

Once your registration is complete, you can login to the login page to process your online payment. Make sure you have the details of your checking account and Bank Number convenient to complete the transaction.

How to make a Sears credit card payment by phone

You can pay for your Sears credit card 24/7. Sears Card customers can call the Sears Credit Card Services toll free number at 800-917-7700 and follow the instructions to make a payment. You can also choose to have a customer service representative assist.

Assistance is also available to customers with other Sears credit cards, including the following:

  • Sears Mastercard: 800-669-8488
  • Shop your way Mastercard: 877-816-9063

How to make a Sears credit card payment in the mail

At Sears it is also possible to pay your credit card bill by mail. Regular mail and expedited payment addresses are available. Send your payment receipt and a account or money order to the correct address:

Card Normal payment address Address for expedited payment
Sears Card or Sears Mastercard PO Box 9001055
Louisville, KY 40290-1055
Overnight stays
Sears Payment Center/Overnight Stay
6716 ramp
Building 9, STE 910
Louisville, KY 40213
Shop your way Mastercard PO Box 78024
Phoenix, AZ 85062-8024
Overnight stays
Attn: Consumer Payments Department
6716 ramp
Building 9, STE 910
Louisville, KY 40213

How to make a Sears credit card payment in person

You can also make a credit card payment at any Sears location, which is handy if you live in the area or if you plan on shopping there. For the fastest service, take your statement with you to the store.

Pay your Sears credit card bill on time

Paying your bill on time is important to avoid late fees and negative credit report. If you pay your bill in full within the grace period, you can avoid interest charges on your purchases. The grace period is a minimum of 25 days.

If you fail to pay at least the minimum due by the due date, a $29 late fee will be charged. In addition, more than one late payment in six consecutive billing cycles will result in a $40 fee.

This content is not provided by Citibank. Any opinions, analysis, reviews or recommendations in this article are those of the author only and have not been reviewed, approved or otherwise endorsed by Citibank.

Information is correct as of February 21, 2021.

This article has been updated to include additional reporting since its original publication.

About the author

John B. Kinsellagh is an attorney, former financial advisor and freelance writer specializing in personal finance, investment strategies, retirement planning, and corporate, legal and regulatory issues. His work has appeared in eHow Business, Legal Zoom,, NYSE Euronext, wiseGeek and other publications.

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