The Sears Shop Your Way credit card login is managed through Citi, not Sears directly
Sears stopped issuing new Shop Your Way credit cards in 2021, but existing cardholders can still access their accounts online through Citi's website. If you hold an active Sears Shop Your Way card, you log in through Citi's cardholder portal, not through a Sears domain. This matters because searching for "Sears credit card login" will not take you to the right place — you need the Citi portal instead.
The card itself still works at Sears locations and online at Sears.com, and you can make payments and check your balance through your Citi account. However, the Sears Rewards program that once came with the card is no longer active, so your login will not show reward points or redemption options the way it once did.
Key Takeaways
- Sears Shop Your Way cardholders log in through Citi's website, not through Sears, because Citi acquired the card program.
- You will need your card number and a password or PIN to access your account; if you have never logged in before, you may need to set up your credentials first.
- The Sears Rewards program is no longer available, so your online account will show only your balance, payment history, and transaction details.
- If you cannot remember your password or username, Citi offers a password reset option on the login page itself.
Where to find the Citi login page for your card
Go to creditcards.citi.com and look for the login section. You will see a field asking for your card number or username. Enter whichever one you have — most cardholders use their 16-digit card number the first time they log in. If you have set up a username in the past, that works too.
Once you enter your card number or username, you will be asked for a password. If this is your first time logging in or you have not accessed the account in a long time, you may see a message asking you to verify your identity first. Citi will typically ask for your date of birth, the last four digits of your Social Security number, or answers to security questions you set up when the account was opened.
Setting up your login if you have never accessed it online
If you have never created an online account for your Sears Shop Your Way card, you will need to do that before you can log in. On the Citi creditcards login page, look for a link that says "Enroll" or "Register" — the exact wording changes occasionally, but it will be near the main login box.
Click that link and enter your card number. Citi will ask you to verify your identity using your date of birth, Social Security number, and other information from your account. Once you pass that verification, you will create a username and password. Write these down somewhere safe — you will use them every time you log in after that.
The whole process usually takes five to ten minutes. After you finish, you can log in when ready and see your balance, recent charges, and payment options.
What you can do once you are logged in
Your Citi account dashboard shows your current balance, available credit, and recent transactions. You can view your full statement for any month going back several years, which is useful if you need to dispute a charge or track spending over time.
You can also set up automatic payments, make a one-time payment, or read statements as PDF files. Most cardholders use the payment section to set up a recurring monthly payment so they do not have to remember to pay manually. You can choose to pay the full balance, the minimum payment, or a custom amount.
Resetting your password if you are locked out
If you forget your password or username, the Citi login page has a "Forgot Password?" or "Forgot Username?" link. Click the one you need. Citi will ask you to enter your card number and verify your identity using your date of birth or the last four digits of your Social Security number.
After you verify, Citi will send a temporary password or a link to reset your password to the email address on file with your account. Check your email (including spam folders) for a message from Citi. The link or temporary password usually works for 24 hours, so reset your password as soon as you see the email.
If you do not receive an email within a few minutes, check that the email address on your account is current. You can update it by calling Citi's customer service number on the back of your card.
What to do if your card has been closed or is inactive
Sears filed for bankruptcy and closed most of its stores between 2018 and 2021. If your Shop Your Way card was tied to a store credit line rather than the national Citi card, it may have been closed automatically. If you try to log in and see a message saying your account is closed or inactive, your card is no longer usable.
In that case, you cannot reopen the account online. You would need to call the customer service number on the back of your card (if you still have it) or contact Citi directly to ask whether the account can be reopened. Most closed Sears credit accounts cannot be reactivated, but it is worth asking.
Contacting Citi if you have trouble logging in
If you have tried to reset your password, verified your identity, and still cannot access your account, contact Citi's customer service. The phone number is printed on the back of your card. Have your card number and the last four digits of your Social Security number ready when you call.
Citi's customer service team can verify your identity over the phone, reset your login credentials, and troubleshoot any technical issues with the website. They can also tell you whether your account is still active or has been closed. Wait times are usually shorter early in the morning or late in the evening on weekdays.
Frequently Asked Questions
Can I still use my Sears Shop Your Way card to make purchases?
Yes, if your account is active. The card works at Sears locations and on Sears.com. However, Sears has far fewer stores than it did before 2018, so check whether there is a location near you before relying on the card. You can also use it anywhere Mastercard is accepted, since the Citi version is a Mastercard.
Where did my Sears Rewards points go?
The Sears Rewards program ended when Citi took over the card. Any points you had were not transferred or converted to cash. If you had a large balance of points, contact Citi to ask whether any redemption options were offered before the program closed, though most cardholders were not able to recover their points.
What if I do not remember my card number?
If you do not have your physical card, you can still log in using a username if you set one up in the past. If you have neither your card number nor a username, call Citi at the number on any old statements or bills you have. They can verify your identity and help you access your account.
Is the Citi creditcards website safe to log into?
Yes. Citi uses encryption and security measures standard for major banks. However, always make sure you are on creditcards.citi.com and not a misspelled or fake version. Type the address directly into your browser rather than clicking a link in an email, since phishing emails that look like they are from Citi are common.