Before we delve into the topic of the Sears Gold MasterCard, let’s first discuss what exactly a Sears card is. A Sears card is the standard retail card that can be used in Sears department stores and in other affiliate places like Avis and the Sears Auto Center. The first time you open a Sears account, you would be given a discount on the first purchase you make with it and that same purchase is qualifies for the “low interest rate” given the first few months of ownership.

Incentives are also given to the cardholders and these incentives might come in the form of special coupons that can be used with the card as well as invitations to Sears’ private sales. Other benefits include easier returns and exchanges for items that were purchased with the card. In fact, the items would be accepted even without the receipt which in a normal situation would be near impossible to do. So what differentiates a Sears Gold MasterCard from a Sears card?

The benefits are basically the same between the two cards; however, the Gold MasterCard can be used in more places worldwide whereas a Sears card can only be used in the Sears Department Store and its affiliates. The Gold MasterCard can also be used to access cash at different ATM as well as bank branches worldwide.

The most popular feature of the Sears Gold MasterCard is the optional Sears rewards program where you can receive points that were based upon the purchases that you made. You can then redeem the collected points for gift certificates, gift cards, and merchandise as well as roundtrip airline tickets. It also includes different travel rewards which come with this optional program.