Where to log in to your Sears Card account

The Sears Card is issued by Citibank and managed through Citi's online portal. To access your account and make payments, you log in at www.citi.com, not through a Sears-branded website. Once you reach Citi's homepage, select "Sign In" and choose "Credit Cards" from the menu, then enter your username and password.

If you do not yet have an online account set up, you will need to register first. On the Citi homepage, look for "Enroll Now" or "Register" and follow the prompts to create a username and password. You will need your Sears Card number and other identifying information to complete registration.

The Sears Card itself no longer carries the Sears branding on new cards issued after the company's restructuring. Your card may say "Citi" or "Citibank" on the front, but it functions the same way and logs in through the same Citi portal as any other Citibank credit card.

Key Takeaways

  • Log in to your Sears Card account through www.citi.com under the Credit Cards section, not through a Sears website.
  • You must create an online account with Citi before you can view your balance or make payments, using your card number and personal information.
  • Once logged in, you can make one-time payments, set up automatic payments, and view your statement and transaction history.
  • If you forget your password, use the "Forgot Username or Password?" link on the Citi login page to reset it through email or security questions.

Making a payment after you log in

After logging into your Citi account, navigate to the "Payments" section. You will see your current balance, minimum payment due, and the due date. From there, you can choose to make a one-time payment or set up a recurring automatic payment.

For a one-time payment, enter the amount you want to pay and select your payment method — you can pay from a bank account (ACH transfer) or use a debit card. Bank account transfers typically post within one to two business days. Debit card payments may post the same day or within one business day, depending on the time you submit.

You can also pay by phone by calling the number on the back of your Sears Card, or by mail by sending a check to the address listed on your statement. Phone payments are processed when ready, and mailed payments typically arrive within five to seven business days from the date you mail them.

Setting up automatic payments

Automatic payments let you schedule recurring charges from your bank account on a date you choose each month. In your Citi account, go to "Payments" and select "Set Up Automatic Payment." You will choose a payment date, an amount (you can set it to pay the full balance, the minimum payment, or a fixed amount), and confirm your bank account details.

Once set up, the payment will process automatically on your chosen date each month. You can change or cancel automatic payments anytime by logging back into your account and editing the payment settings. Citi will send you a confirmation email each time an automatic payment is processed.

What to do if you cannot log in

If you forget your username or password, click "Forgot Username or Password?" on the Citi login page. Citi will ask you to verify your identity using your card number and personal information, then send a reset link to your email address or allow you to answer security questions to create a new password.

If you still cannot access your account after resetting your password, or if you see an error message, call the customer service number on the back of your Sears Card. A representative can help you troubleshoot login problems and may be able to verify your identity over the phone to unlock your account.

If you have never registered for online access, you cannot use the password reset tool — you must complete the initial registration process first. This requires your card number, Social Security number, and date of birth.

Understanding your Sears Card statement online

Once logged in, your account dashboard shows your current balance, available credit, recent transactions, and payment history. You can view your full monthly statement by clicking "Statements" or "Documents" in your account menu. Statements are usually available online within a few days after your billing cycle closes.

Your statement lists every purchase, payment, and fee charged to your account during the billing period. It also shows your interest rate (APR), minimum payment due, and the date by which you must pay to avoid late fees. You can read statements as PDF files and print them for your records.

Frequently Asked Questions

Is there a fee to pay my Sears Card online?

No. Citi does not charge a fee for making payments online through their website or mobile app. Payments made by phone or mail are also free. Some third-party payment services may charge a fee if you use them to pay, but paying directly through Citi's portal costs nothing.

How long does it take for my payment to show up?

Payments from a bank account typically post within one to two business days. Debit card payments may post the same day or within one business day. Payments made by phone are processed when ready. Mailed payments take five to seven business days to arrive and may take a few days longer to post to your account after receipt.

Can I pay my Sears Card through the Sears website?

No. Sears does not process Sears Card payments. You must log in through Citi at www.citi.com to make payments. The Sears Card is a Citibank product, and all account management happens through Citi's portal, not through Sears.

What if my Sears Card was issued before Citi took over?

Your card still logs in through Citi's website at www.citi.com. The transition to Citi happened over time, and older cards may have different branding, but they all use the same Citi login portal. Your account information transferred automatically when Citi took over the card program.

Can I set a payment reminder so I do not forget?

Yes. In your Citi account, you can set up automatic payments so you never have to remember. You can also enable email or text notifications for your due date. Check your account settings under "Alerts" or "Notifications" to turn on reminders for payment due dates and account activity.