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It’s perhaps uncommon to see a credit card offered by a business that doesn’t belong to the finance industry. Most of the credit cards available are presented by banks, financial institutions and other businesses in the ‘card’ and lending industry.

Not in the case of Sears. Relying on its large number of customers and its numerous outlets, Sears is offering credit cards for the benefit of its clients. Cardholders can enjoy exclusive perks and rewards, discounts and other programs or promotion.

Here are the types of Sears Credit Card available:

Sears Card

The Sears Card offers great benefits to the cardholder. This credit card doesn’t incur any annual fee. This can be used at Sears Department Stores and any of their affiliates, which includes the Sears Auto Center, Avis and now Kmart, because of their merger. Cardholders can benefit from incentives such as discounts, coupons and other promos. An example would be the $10 Sears Gift Card given to newly approved application which they can use when shopping at Sears.

Another advantage is for the cardholder to return items purchased even without a receipt. Other benefits include special short term financing, security and privacy for the cardholders, temporary shopping pass, zero liability on unauthorized purchases, 24/7 customer service, and more.

Sears Gold MasterCard

The Sears Gold MasterCard is the upgraded credit card version of Sears Card. With the affiliation with MasterCard, this credit card is accepted in more shops and retail stores, banks and ATM. The Sears Gold MasterCard also doesn’t have any annual fee. It also allows cardholders to earn points when shopping at Sears. The points can then be redeemed for great rewards such as gift certificates, exclusive items and more.

The Sears Gold MasterCard also accepts balance transfer form other credit cards. So if you plan to consolidate your credit card debt, you can check on this card.

Sears Commercial One

The Sears Commercial One is the credit card for business customers. There are different plans for property managers, small businesses and general companies. This is specially made for businessmen to manager their transactions and purchases. Aside from this, Sears Commercial One cardholders can avail of benefits and perks offered by the Sears Business Resource Center and others.

You can apply for a Sears credit card in person at any Sears department store, online at Sears.com, or over the phone at 1-877-319-7904. To better understand the Sears credit cards, you can visit the Sears Credit Card FAQ and their terms and conditions. If you’re already a Sears credit card holder, you can login to manage your account and view your transaction. You can do so by going to the Sears Site by Citibank and Sears Canada.