This is a sponsored post written by me on behalf of Sears Mastercard.
Up until a few years ago, I was living under a rock when it came to rewards credit cards. We spent thousands of dollars a month on bills, gas and other household spending, and I was throwing away an equal amount of points because I wasn't using a rewards credit card with point benefits. If only I could go back in time!
Now, I know the value of rewards credit cards and use them whenever I make a purchase.
When it comes to credit cards and rewards points, not all are created equal. I want to be able to redeem rewards on things that I will actually use. For my family, the most useful rewards are everyday items for our life and home— from clothing to appliances and just about everything in between.
One card that ticks off my rewards requirements is the Sears Mastercard with an industry-leading 5-3-2-1 rewards offer.
Why You Should Have a Rewards Credit Card
Earn points for rewards
The most obvious reason to have a rewards credit card like the Sears Mastercard from Citibank (powered by Citi Retail Services, one of the country’s largest and most experienced private label and cobrand credit card issuers) is to earn rewards. To get the most bang for my buck I use a rewards card for ALL of my everyday purchases.
Instead of using cash or a debit card, I put everything on a rewards card to earn maximum points, and then pay it in full at the end of the month. You don't have to carry a balance to earn rewards and this way you're not spending any extra money— you're simply rewarded for all of your normal spending!
With the Sears Mastercard with Shop Your Way you can earn Shop Your Way points on a complimentary basis for 12 months from the date the account is open, which include:
- 5% back in points on eligible purchases made at gas stations;
- 3% back in points on eligible purchases at grocery stores and restaurants; [5% and 3% back on the first $10,000 of combined eligible purchases made on gas, groceries and restaurants and 1% thereafter]
- 2% back in points on eligible purchases made at Sears and Kmart; and
- 1% back in points on all other eligible purchases.
When you're ready to redeem your points, you can use them towards everyday household consumables to larger items such as kitchen appliances sold by Sears and Kmart in store or online and on ShopYourWay.com. These rewards points can also be used in combination with in-store promotions at Sears and Kmart.
It's free and easy to become a Shop Your Way member and begin enjoying benefits immediately when you visit shopyourway.com.
New card bonuses
Timing is always important when you sign up for a rewards credit card because there are often bonuses for becoming a member. Currently, you can save 30% off your purchase today when you're approved for a new Sears Mastercard.
In addition to the enhanced Shop Your Way rewards offer, the Sears Mastercard also provides a broad range of built-in, comprehensive benefits, including:
- No annual fee
- Special financing offers at Sears and Kmart
- Exclusive cardholder savings events
- Statement credit offer for new accounts
- EMV technology
- Credit and account protection
- $0 Liability on Unauthorized Purchases
- Citi Identity Theft Solutions
May help your credit score
If you're approved for the Sears Mastercard and use it wisely it could help increase your credit score. I know this from personal experience. Remember when I mentioned that a few years ago I didn't use a reward credit card? Well, the truth is that I didn't use ANY credit cards! In theory this seems great. But the reality was my credit was suffering because of it. I now have a variety of credit cards that I use very wisely, and my credit has never been better.
The key to using a rewards credit card is that you need to pay the balance off in full every month.
Click here for more info or to apply for the Sears Mastercard.
Do you use a rewards credit card for everyday spending?
This is a sponsored post written by me on behalf of Sears Mastercard.
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