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The Sears Citigroup credit card is no longer available as a new product. Sears, once a retail anchor in American shopping, filed for bankruptcy in 2018 and significantly contracted its store footprint in subsequent years. As the company's retail presence shrank, so did its branded credit card program.
If you're asking about this card, you're likely in one of two situations: you're a cardholder trying to understand your existing account, or you're researching what happened to a card you used to have.
The Sears Citigroup card was a co-branded store credit card—a product issued by Citibank and branded for Sears stores. Like most store cards, it offered incentives for purchases at Sears and affiliated retailers (including Kmart, which Sears also owned). These cards typically featured:
Store cards are designed to encourage repeat shopping at specific retailers, which benefits both the retailer and the card issuer through transaction volume and customer loyalty data.
Existing Sears cardholders were notified as the card program wound down. Account holders could continue using their cards for existing balances, but the card was no longer offered to new applicants. This is a common outcome when a retailer exits or restructures—the credit card partnership often concludes alongside the business changes.
If you held this card, your account would have been managed by Citibank according to the terms of your cardholder agreement. Balances may have remained active, but earning rewards or accessing promotional rates would have ended.
Several factors determined how the card transition affected different cardholders:
| Factor | Impact |
|---|---|
| Whether you had an existing balance | Determined whether you still needed to manage the account |
| Your credit profile | Shaped what alternative cards or products you could qualify for |
| How heavily you shopped at Sears | Determined how much value the rewards program had lost |
| Your cardholder agreement terms | Specified interest rates, fees, and rights during account closure |
If you're trying to decide what to do about a Sears Citigroup card account, evaluate:
If you no longer shop at Sears (or stores are no longer convenient to you), a general-purpose credit card or rewards card aligned with where you actually spend money may serve you better. If you're carrying a balance, your priority is understanding the interest rate and exploring whether a balance-transfer option makes sense for your situation.
The bottom line: Store cards lose their value when the retailer disappears from your shopping reality. Your next decision depends entirely on your current financial situation and spending patterns.
