Log in to your Sears credit card account at Sears.com
To pay your Sears credit card online, go to Sears.com and look for the "Credit Card" or "Manage Your Account" link, usually at the top or bottom of the page. Click it and you will be taken to the login screen for Sears cardholders.
Enter your username and password — these are the same credentials you use if you have a Sears.com shopping account. If you do not have a username yet, you will need to create one before you can pay online. If you have forgotten your password, the login page has a "Forgot Password" link that will walk you through resetting it.
Once you are logged in, you will see your account dashboard. This shows your current balance, minimum payment due, and payment due date. From here you can make a one-time payment or set up automatic payments.
Key Takeaways
- Log in at Sears.com using your username and password to reach your credit card account.
- You can make a single payment or set up automatic monthly payments from your checking or savings account.
- Payments typically post within one to two business days after you submit them online.
- If you cannot remember your login details, use the "Forgot Password" link on the login page to reset them.
- You can also call the customer service number on the back of your card if you prefer to pay by phone instead.
Make a one-time payment after logging in
After you log in, look for a button or link that says "Make a Payment" or "Pay Now." Click it to start the payment process. You will be asked to choose how much you want to pay — you can pay your full balance, your minimum payment, or a custom amount.
Next, select the account you want to pay from. Most people pay from a checking or savings account. You will need to enter your bank's routing number and your account number. If you do not know these, they appear on the bottom left of any check you have written from that account.
Review the payment details one more time before you submit. Make sure the amount, account, and due date are all correct. Once you click "Submit" or "Confirm," your payment is sent to Sears and you will see a confirmation number on the screen. Write this number down or take a screenshot — you may need it if you have questions about the payment later.
Set up automatic payments so you never miss a due date
If you want Sears to withdraw your payment automatically each month, look for an "Autopay" or "Automatic Payments" option in your account dashboard. Click it and choose whether you want to pay your full balance, your minimum payment, or a fixed amount each month.
Enter the bank account information the same way you would for a one-time payment. Then select the date each month when you want the payment to come out — many people choose the day after they get paid so the money is there. Once you confirm, the automatic payment is active and will run every month on that date unless you cancel it.
You can change or cancel automatic payments at any time by logging back into your account and going to the autopay settings. If you need to stop a payment before it goes through, do this at least three business days before the scheduled date.
What to do if you cannot log in
If you enter your username and password and get an error message, first make sure you are on the real Sears.com website — check the web address in your browser to confirm it says "sears.com" and not something similar. Scam websites sometimes use names that look almost identical.
If you are on the right website, try resetting your password. Click "Forgot Password" on the login page and follow the steps to create a new one. Sears will send a reset link to the email address on file with your account. If you do not receive an email within a few minutes, check your spam folder.
If resetting your password does not work, or if you do not remember the email address you used to set up your account, call the customer service number on the back of your Sears credit card. A representative can verify your identity and help you regain access to your account.
How long it takes for your payment to show up
Once you submit a payment online, it usually takes one to two business days for Sears to receive and post it to your account. This means if you pay on a Friday, the payment may not show up until Monday or Tuesday. Weekends and holidays can add extra time.
If your payment due date is coming up soon and you are cutting it close, call the customer service number on your card instead of paying online. A representative can take your payment over the phone and confirm it is received the same day, which removes the risk of a late fee if there is a delay.
Once your payment posts, your available credit increases and your balance goes down. You will see this reflected in your online account within a day or two.
Pay by phone if you do not want to use the website
You do not have to pay online. The customer service number is printed on the back of your Sears credit card. Call it and a representative will walk you through making a payment over the phone. You will need your account number and the bank account or card you want to pay from.
Phone payments are processed the same day you call, so this is a good option if your payment is due very soon. There is no extra fee for paying by phone — it costs the same as paying online.
Frequently Asked Questions
Can I pay my Sears credit card with a debit card online?
Yes. When you choose your payment method, you can enter a debit card number instead of a bank account. The payment will be processed the same way and will post within one to two business days.
What if I pay more than my balance by mistake?
If you overpay, Sears will hold the extra money as a credit on your account. You can use it toward future purchases, or you can call customer service and ask them to refund the overpayment to your bank account.
Do I have to create a Sears.com shopping account to pay my credit card?
You need a username and password to log in to your credit card account, but this does not mean you have to shop at Sears.com. You can create login credentials just for paying your bill.
Is it safe to pay my Sears card online?
Sears.com uses encryption to protect your information when you log in and make payments. Do not share your username or password with anyone, and always make sure you are on the real Sears website before entering your details.
What happens if I miss a payment?
If your payment is late, Sears may charge a late fee and report the missed payment to credit bureaus, which can lower your credit score. If you think you will miss a due date, call customer service right away — they may be able to work with you or extend your important date.