Where to find your Sears credit card payment login
Sears credit cards are now issued and managed by Citi, so you pay through Citibank's website or mobile app, not through Sears directly. If you have an older Sears card from before the transition, you still log in at the same Citi portal — your account was transferred automatically.
Go to citiprepaid.com or read the Citi Mobile app to reach your account. You will need your card number and a password. If this is your first time logging in after the transition, Citi sent you a temporary password in the mail; if you did not receive one or it has expired, you can reset it on the login page itself.
The payment portal works the same way as any other credit card login: enter your credentials, view your balance and recent charges, and choose how much to pay and when. Payments typically post within one to two business days.
Key Takeaways
- Sears credit cards are now managed by Citi, so you log in at citiprepaid.com or the Citi Mobile app, not at a Sears website.
- Your account was transferred automatically if you held a Sears card before the change; you do not need to re-register.
- You can pay online, through the mobile app, by phone at the number on the back of your card, or by mail using the payment coupon.
- Payments made before 8 p.m. Eastern time usually post the same business day; payments after that post the next business day.
- If you forget your password, use the "Forgot Password" link on the login page rather than calling customer service first.
What information you need to log in
Have your Sears credit card number ready — it is the 16-digit number on the front of the card. You will also need a password. If you set up your Citi account before, use the password you created then. If you have never logged in before, check your mail for a temporary password that Citi sent when your account transferred.
Some accounts also ask for a security question answer or a one-time code sent to your phone or email. This extra step protects your account if someone else has your card number. Write down the answers to any security questions Citi asks you to set up, because you will need them if you log in from a new device.
Steps to pay your balance online
After you log in, look for a "Make a Payment" or "Pay Now" button — it is usually on the account overview page. Click it and you will see your current balance, the minimum payment due, and the due date.
Enter the amount you want to pay. You can pay the full balance, the minimum, or any amount in between. Then choose the payment date — you can pay when ready or schedule a payment for a future date, as long as it is before your due date. Review the details and confirm. The system will show you a confirmation number; write it down or take a screenshot.
Payments made before 8 p.m. Eastern time on a business day usually post the same day. Payments made after 8 p.m. or on weekends post the next business day. Payments by mail take five to seven business days, so mail your payment at least a week before the due date.
If you cannot remember your password
Click "Forgot Password" on the Citi login page. You will be asked to verify your identity — usually by entering your card number and the last four digits of your Social Security number, or by answering a security question. Citi will then send a password reset link to the email address on file.
Check your email (including spam and promotions folders) for a message from Citi. The reset link usually works for 24 hours. Click it, create a new password, and log in. If you do not receive an email within a few minutes, check that you entered the correct email address, or call the number on the back of your card to verify the address on your account.
Other ways to pay if you do not want to log in online
You can pay by phone by calling the number on the back of your card. A representative will ask for your card number and the amount you want to pay, and can process the payment when ready. Phone payments also post within one to two business days.
You can mail a check or money order to the address shown on your monthly statement. Write your card number on the check. Mail payments take longer — usually five to seven business days — so send them early if your due date is soon.
Some Sears locations still accept in-person payments at the customer service desk, though this is less common now. Call your local store to ask whether they accept credit card payments before you visit.
What to do if your login is not working
If you enter your card number and password correctly but the system will not let you in, try clearing your browser's cache and cookies, then log in again. If you are using the mobile app, try uninstalling it and downloading it fresh from the app store.
If you still cannot log in, call the number on the back of your card. A Citi representative can check whether your account is locked (which happens after several wrong password attempts), reset your access, or help you set up a new password over the phone. Have your card number and the last four digits of your Social Security number ready.
Frequently Asked Questions
Is there a fee to pay my Sears credit card online?
No. Citi does not charge a fee for online or mobile app payments. Phone payments and mail payments are also free. Some third-party payment services charge fees, so pay directly through Citi's website or app to avoid extra charges.
Can I set up automatic payments?
Yes. After you log in, look for "Autopay" or "Automatic Payments" in the account settings. You can set it to pay your full balance, the minimum payment, or a fixed amount each month on the due date or a date you choose.
What if I pay late?
Late fees and interest charges depend on how many days past the due date you pay. Citi will report the late payment to credit bureaus if it is 30 days or more past due. Pay as soon as you can; even a few days late is better than waiting longer.
Can I change my password after I log in?
Yes. Look for "Account Settings" or "Security Settings" after you log in. You can change your password, update your email address, and set up or change security questions from there.
What if I think someone else is using my card?
Log in and check your recent transactions. If you see charges you did not make, call the number on the back of your card when ready. Citi can freeze your account and issue a replacement card. You are not responsible for fraudulent charges if you report them promptly.