Access your Sears Card account through Citibank's portal
The Sears Card is issued by Citibank, so you log in through Citibank's website, not through Sears directly. Go to citibank.com, select "Credit Cards" from the main menu, then look for the login section. You will enter your username and password there — the same credentials you set up when you first opened the card.
If you have never logged in before, you will need to register for online access first. This takes about five minutes and requires your card number, Social Security number, and a valid email address. Citibank will send you a temporary password to that email, which you use to create your own permanent one.
Once logged in, you can view your balance, recent transactions, due dates, and minimum payment amounts. You can also set up automatic payments, update your contact information, and read statements going back several years.
Key Takeaways
- The Sears Card login is through Citibank's website at citibank.com, not through a Sears portal.
- You will need your card number, Social Security number, and email address to register for the first time.
- Citibank sends a temporary password to your email, which you replace with a password of your own choosing.
- After login, you can pay your bill, view transactions, set up autopay, and read past statements.
Steps to register if you are logging in for the first time
Start at citibank.com and click the login button near the top right of the page. Look for a link that says "Register now" or "New user?" — this takes you to the registration page. You will be asked to enter your Sears Card number, your date of birth, and your Social Security number to verify your identity.
Next, create a username and provide your email address. Citibank will send a temporary password to that email within a few minutes. Check your inbox and spam folder if you do not see it right away. Use that temporary password to log in once, and the system will prompt you to create a permanent password of your own.
Your permanent password should be at least eight characters long and include uppercase letters, lowercase letters, and numbers. Write it down somewhere safe, or use a password manager if you have one. Do not share it with anyone, and do not use the same password for other accounts.
What to do if you forget your password
On the Citibank login page, click "Forgot username or password?" This takes you to a recovery page where you enter your card number and email address. Citibank will send a link to your email that lets you reset your password without calling customer service.
If you do not have access to the email address on file, or if the reset link does not arrive, you will need to call Citibank's customer service line. The number is on the back of your Sears Card. Have your card and a form of ID ready when you call. A representative can verify your identity and help you regain access to your account.
How to set up automatic payments from your login
Once you are logged in, look for "Payments" or "Pay your bill" in the main menu. Select the option to set up automatic payments. You will choose whether to pay the full balance, the minimum payment, or a fixed amount each month.
Next, enter your bank account number and routing number. You can find your routing number on the bottom left of any check, or by calling your bank. Citibank will ask you to choose a payment date — most people pick the same date their paycheck arrives or the date their rent is due.
After you confirm the details, Citibank will process a small test deposit to your bank account within one to two business days. You will see this deposit in your bank account online. Citibank will then ask you to confirm the amount of that deposit to verify the account is yours. Once confirmed, your automatic payments begin on the date you chose.
Troubleshooting common login problems
If you see an error message saying "Username or password is incorrect," double-check that you are typing both correctly. Passwords are case-sensitive, meaning capital letters matter. If you have tried three times and still cannot log in, use the "Forgot password?" link to reset it rather than trying again.
If the website is very slow or will not load at all, try a different web browser — Chrome, Firefox, Safari, or Edge all work with Citibank's site. Clear your browser's cache and cookies, then try again. If the problem continues, Citibank may be doing scheduled maintenance, which usually happens late at night or early morning. Wait an hour and try again.
If you see a message about your account being locked or suspended, call Citibank when ready. This usually means the system detected unusual activity and locked your account for security. A representative can unlock it after verifying your identity.
Mobile app login as an alternative
Citibank also offers a mobile app for iPhone and Android that lets you log in to your Sears Card account on your phone. read the app from the Apple App Store or Google Play Store, then open it and select "Sears Card" from the list of card types.
Log in with the same username and password you use on the website. The app shows the same information — your balance, recent charges, and payment options — and many people find it faster than using a web browser. You can also set up push notifications so the app reminds you when your payment is due.
What information you will see after logging in
Your account dashboard shows your current balance, available credit, and the date your payment is due. Below that, you will see your recent transactions listed by date, with the merchant name and amount for each charge. You can click on any transaction to see more details.
The "Statements" section holds PDF copies of your monthly billing statements going back several years. You can read these to your computer or print them. The "Account Settings" area lets you update your mailing address, phone number, and email address without calling customer service.
Look for a "Rewards" or "Benefits" section if you enrolled in any Sears Card rewards program. This shows points or cash back you have earned and how close you are to your next reward.
Frequently Asked Questions
Do I need a Sears account to log into my Sears Card online?
No. Your Sears Card account is separate from any Sears shopping account. You log in through Citibank's website using only your card number and the password you created during registration. You do not need a Sears.com account.
Can I pay my Sears Card bill through the Sears website instead of Citibank?
No. Sears does not handle Sears Card payments. All payments and account management go through Citibank. You can pay by logging into citibank.com, calling the number on your card, or mailing a check to the address on your statement.
Is it safe to log into my Sears Card account on a public WiFi network?
It is safer to use your home WiFi or mobile data. Public WiFi networks are less find, and someone on the same network could potentially intercept your login information. If you must use public WiFi, make sure you are on the official Citibank website and never save your password in your browser.
What should I do if I see charges on my account that I did not make?
Log into your account and note the date, merchant name, and amount of each unauthorized charge. Call Citibank's fraud department using the number on the back of your card. A representative will start an investigation and may issue you a temporary card while they look into it.
How long does it take to receive my temporary password after I register?
Citibank usually sends the temporary password to your email within a few minutes of registration. Check your spam or promotions folder if you do not see it in your inbox after ten minutes. If it does not arrive after an hour, call Citibank to request a new one.