How to make a Sears Credit Card payment

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The simplest way to make a payment for your Sears Credit Card is online. You can also choose to pay over the phone by calling (800) 669-8488, in person at a nearby Sears store, or through traditional mail. Additionally, Sears Credit Card offers the option for cardholders to establish automatic payments for added convenience.


Sears is a nationwide retail chain that sells a variety of products like appliances, tools, clothing, shoes, and home furnishings. They offer two types of credit cards, the Sears credit card, and the Shop Your Way Mastercard, both of which are issued by Citi®.

When you use a Sears credit card or a Shop Your Way Mastercard, you can get rewards and benefits. For example, you can receive a 5% discount on certain purchases, enjoy 12 months of interest-free financing on select items that cost $299 or more, or earn points ranging from 1% to 5% for eligible purchases.

To make the most of these credit card rewards, it’s important to keep your Sears credit card account in good standing by using one of the available payment options. This ensures that you can enjoy the benefits associated with your credit card.

How to make a Sears Credit Card payment online

To make an online Sears credit card payment, follow these steps:

  1. Register Your Card:
    • Visit the login page for your Sears credit card or Shop Your Way Mastercard.
    • Click the “Register Your Card” link located below the “Sign On” button.
    • Enter your card number and click “Continue” to create a user ID and password.
    • If you don’t have your card number, you can verify your identity by clicking “I don’t have my card on hand.” Provide your name, Social Security number, and phone number. Choose whether to receive a call or text, agree to the terms, and click “Send Code” to continue the registration process.
  2. Sign In:
    • Once your registration is complete, return to the login page.
    • Sign in with the user ID and password you just created.
  3. Make Your Payment:
    • Ensure you have your checking account information and bank routing number ready.
    • Follow the prompts to enter your payment details and complete the transaction.

By following these steps, you can easily make an online payment for your Sears credit card.

How to make a Sears Credit Card payment by phone

To make a Sears credit card payment by phone, follow these steps:

  1. If you have a Sears Card, dial the toll-free number 800-917-7700.
  2. Listen to the prompts and follow the instructions to make your payment.
  3. You can choose to make your payment using the automated system or speak to a customer service representative for assistance.

For other Sears credit cards, use these numbers:

  • Sears Mastercard: Call 800-669-8488.
  • Shop Your Way Mastercard: Dial 877-816-9063.

These numbers allow you to pay your Sears credit card balance over the phone at any time, 24/7.

How to make a Sears Credit Card payment by mail

To make a Sears credit card payment by mail, follow these steps:

  1. Determine Your Card Type: Identify whether you have a Sears Card, Sears Mastercard, or a Shop Your Way Mastercard. This information is crucial for sending your payment to the correct address.
  2. Locate the Payment Address: Find the regular payment address or the expedited payment address based on your card type. You can usually find this information on your credit card statement.
    • For Sears Card or Sears Mastercard:
      • Regular Payment Address: Sears Consumer Payments, P.O. Box 9001055, Louisville, KY 40290-1055.
      • Expedited Payment Address: Sears Consumer Express Payments, Attn: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213.
    • For Shop Your Way Mastercard:
      • Regular Payment Address: Shop Your Way Credit Card Payments, P.O. Box 78024, Phoenix, AZ 85062-8024.
      • Expedited Payment Address: Shop Your Way Credit Card Overnight Delivery/Express Payments, Attn: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213.
  3. Prepare Your Payment: Include your payment coupon along with a check or money order for the amount you wish to pay. Make the payment payable to the appropriate entity (e.g., Sears Consumer Payments or Shop Your Way Credit Card Payments).
  4. Mail Your Payment: Send your payment to the address you determined in step 2. Make sure to use the correct address for regular or expedited payments, depending on your preference and urgency.
  5. Allow Processing Time: Keep in mind that it may take a few days for your payment to be processed, so be sure to send it well before the due date to avoid late fees.
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By following these steps, you can make your Sears credit card payment by mail with ease.

How to make a Sears Credit Card payment in person

To make a Sears credit card payment in person, follow these steps:

  1. Locate a nearby Sears store.
  2. Visit the store in person.
  3. For quicker service, bring your Sears credit card billing statement with you.
  4. Inform the store staff that you’d like to make a credit card payment.
  5. Provide the necessary payment details and the amount you wish to pay.
  6. Complete the payment transaction.
  7. You will receive a receipt as confirmation of your payment.

This method is convenient if you live close to a Sears store or plan to shop there. Bringing your billing statement helps speed up the process.

Pay your Sears Credit Card bill on time

Paying your Sears Credit Card bill on time is crucial to avoid penalties and protect your credit score. To do this:

  1. Avoid Late Fees: Make sure to pay your bill before the due date. If you miss the due date, a late fee of $28 will be added to your bill.
  2. Protect Your Credit Score: Late payments can negatively impact your credit score. Paying on time helps maintain a good credit history.
  3. Interest-Free Period: If you pay your entire bill within the grace period, which is at least 25 days, you won’t incur interest charges on your purchases. This means you can avoid paying extra money on top of your purchases.
  4. Be Consistent: Consistently paying on time is important. Missing payments repeatedly (more than one late payment in six consecutive billing cycles) can result in a higher late fee of $39.

In summary, paying your Sears Credit Card bill on time not only prevents late fees but also helps you avoid interest charges and maintain a positive credit history.

The bottom line

To pay your Sears Credit Card, you have several options:

  1. Online: Log in to your online account, click “Make a Payment,” specify the amount, date, and payment source.
  2. Over the phone: Call (800) 669-8488, enter your card details, and follow automated instructions. Note, there’s a fee for payments with a representative.
  3. In-store: Pay at any Sears store location.
  4. By mail: Send a check or money order (no cash) to Sears Consumer Payments at P.O. Box 9001055, Louisville, KY 40290-1055. For overnight payments, use Sears Consumer Express Payments, Attn: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213.

Remember, regular mail payments take the longest, so send them at least 7-10 business days before your due date to avoid late payments.