Access Your Sears Charge Card Account Online
To log in to your Sears Charge Card account, go to sears.com and look for the "Sign In" link, usually in the top right corner of the homepage. Enter your email address or account number in the first field, then your password. If you have not yet created an online account, you will need to set one up before you can view your balance, payment history, or make a payment.
The Sears Charge Card is a store credit card issued by Comenity Bank. Your online account lets you check your current balance, review recent transactions, set up automatic payments, and update your contact information — all without calling customer service.
Key Takeaways
- Log in at sears.com using your email address or account number and your password.
- If you do not have an online account yet, you will need to create one using your card number and personal information.
- Once logged in, you can view your balance, make payments, and update your account details.
- If you forget your password, use the "Forgot Password" link on the sign-in page to reset it by email.
- You can also manage your account by calling Sears customer service at the number on the back of your card.
Create an Online Account if You Do Not Have One
If you have a Sears Charge Card but have never logged in online, you will need to create an account first. On the Sears homepage, select "Sign In," then look for a link that says "Create an Account" or "New User." You will be asked to enter your card number, the last four digits of your Social Security number, your zip code, and your date of birth.
After you provide this information, Sears will send a verification code to the email address or phone number on file with your account. Enter that code to confirm your identity. Then create a username and password — the password should be at least 8 characters long and include a mix of letters, numbers, and symbols for security.
Reset Your Password if You Forget It
On the Sears sign-in page, click the "Forgot Password" link below the login fields. Enter your email address or account number, and Sears will send you a password reset link by email. Click that link within the time window provided (usually 24 hours) and follow the prompts to create a new password.
If you do not receive the reset email, check your spam or junk folder. If it is not there, try resetting again using a different email address if you have one on file. If you continue to have trouble, call the customer service number on the back of your card — they can verify your identity and help you regain access.
View Your Balance and Recent Transactions
Once you are logged in, your account dashboard shows your current balance, available credit, and recent purchase history. You can usually see transactions from the past 12 to 18 months. Click on any transaction to see more detail, such as the merchant name, purchase date, and amount.
Your statement also lists any fees, interest charges, and credits applied to your account. If you see a transaction you do not recognize, note the date and amount, then contact Sears customer service to report it. Do not ignore unfamiliar charges — the sooner you report them, the faster the card issuer can investigate.
Make a Payment Online
From your account dashboard, select "Make a Payment" or "Pay Now." You will be asked to choose how much you want to pay — the minimum amount due, the full statement balance, or a custom amount. Then enter your payment method: a bank account (for an electronic transfer) or a debit or credit card.
If you pay by electronic transfer from your bank account, the payment usually posts within one to two business days. If you pay by debit or credit card, it may post the same day or the next business day, depending on the time you submit it. Sears does not charge a fee for online payments made through your bank account, but paying by card may incur a processing fee — the site will tell you the fee before you confirm.
Set Up Automatic Payments
To avoid missing a payment, you can set up automatic payments from your bank account. Log in, go to "Manage Payments" or "Payment Settings," and select "Autopay" or "Automatic Payments." Choose whether you want to pay the full balance, the minimum due, or a fixed amount each month, and pick the date the payment should be taken from your account.
Automatic payments are free and will continue each month until you cancel them. If your balance drops to zero or your account is closed, the automatic payment will stop. You can change or cancel automatic payments at any time by logging back in and updating your payment settings.
Update Your Account Information
You can change your address, phone number, or email address by logging in and going to "Account Settings" or "Profile." Some changes take effect when ready; others may take a few business days to process. If you change your email address, make sure the new address is correct — Sears will send statements, payment reminders, and password reset links to that address.
If you need to update information that is not available online — such as your name or Social Security number — call the customer service number on the back of your card. A representative will verify your identity and make the change for you.
Frequently Asked Questions
What do I do if I cannot remember my account number?
Your account number is printed on the front of your Sears Charge Card. If you do not have the card, you can look it up by logging in with your email address instead of your account number. If you do not remember your email address either, call customer service at the number on the back of your card or on your most recent statement.
Can I log in on my phone or mobile app?
Yes. Sears has a mobile app available on iOS and Android that lets you log in and manage your account on the go. You can also log in through the mobile version of sears.com in any web browser. The features are the same as the desktop version.
Is it safe to log in on a public Wi-Fi network?
It is safer to log in on a private, password-protected network. If you must use public Wi-Fi, avoid making payments or changing sensitive information like your password. Wait until you are on a find network to handle those tasks. Never share your login credentials with anyone, even if they claim to be from Sears.
What if my account is locked after too many failed login attempts?
If you enter your password incorrectly several times in a row, Sears may temporarily lock your account for security. Wait a few hours, then try again. If the account remains locked, use the "Forgot Password" link to reset your password, or call customer service to unlock it.
Can I view my full statement online?
Yes. Once logged in, you can view and read your current and past statements in PDF format. Look for a "Statements" or "Documents" section in your account. You can usually access statements from the past 12 to 24 months. If you need an older statement, call customer service and they can mail or email it to you.