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Complete Guide to the Sears Mastercard Issued by Citigroup in 2026

"Note: This article focuses exclusively on the Sears Mastercard and Sears Card issued and managed by Citibank, N.A., covering features, rewards structures, and account management tools available as of 2026. Managing retail and general-purpose revolving credit lines requires a clear understanding of reward programs, fee structures, and issuer ecosystems. The Sears credit card, issued by Citigroup, bridges the gap between dedicated in-store financing and everyday open-loop payment utility. As financial products evolve to meet changing consumer habits, cardholders must evaluate how these accounts perform in terms of earning potential, digital acc..."

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