The Sears Mastercard (now rebranded as the Citi ThankYou® Mastercard®) is a store-branded credit card issued and serviced by Citi Retail Services. It is accepted anywhere Mastercard is taken and continues to offer rewards and financing options at Sears and other retailers. Making timely payments on your Sears Mastercard bill avoids late fees (typically up to $40), penalty APRs, and potential negative impact on your credit score.
Official Payment Resources
- Citi ThankYou® Mastercard® Portal (Sears Card) – Log in to view statements, manage your account, set up AutoPay, or access the One-Time Payment option 24/7.
- One-Time Guest Payment Page – Make a quick payment using only your card details — no login or account required (prominently featured as “Pay your bill without signing on”).
1. Guest Pay / One-Time Payment (No Account Needed – Fastest for Quick Payments)
Citi offers a fully functional guest/one-time payment option directly on the official portal — no login or registration required.
How to pay as a guest:
- Visit the official One-Time Payment page linked above.
- Enter your 16-digit Sears Mastercard number, expiration date, and CVV.
- Provide the payment amount and your bank account or debit/credit card details.
- Review and submit for immediate processing.
Payments typically post the same or next business day. This method is ideal when you need to pay quickly without creating or accessing a full account. A convenience fee may apply for certain card payments (disclosed before confirmation).
2. Pay Online via Official Account Portal (Recommended for Registered Users)
Log in to the Citi ThankYou® Mastercard® portal for full account management and recurring payment options.
Steps:
- Go to the official portal linked above and sign in with your User ID and password (or register using your card number).
- Select “Make a Payment” or “Pay Now.”
- Choose your payment amount (minimum due, full balance, or custom amount) and payment date.
- Use a linked bank account (free ACH) or debit/credit card.
- Enroll in AutoPay for automatic monthly deductions if desired.
You can also view statements, track rewards, and manage alerts. Payments post reliably within 1–2 business days.
3. Pay by Phone (24/7 Automated or Live Support)
- Call 1-800-669-8488 (available 24 hours a day, 7 days a week).
- Follow the automated prompts or speak with a representative.
- Have your 16-digit card number ready.
Automated payments are fast and secure; live agents can assist during extended hours.
4. Pay by Mail
Mail a check or money order (payable to “Citi ThankYou® Mastercard®”) — no convenience fee.
Standard mailing address: Citi ThankYou® Mastercard® Payments P.O. Box 70604 Philadelphia, PA 19176-0604
Overnight/Express payments: Citi ThankYou® Mastercard® Consumer Express Payments Attention: Consumer Payment Dept. 400 White Clay Center Drive Newark, DE 19711
Include your account number on the check and allow 7–10 business days for delivery and posting. Never send cash.
5. Additional Management Options
- AutoPay: Set up in the portal for automatic payments from your bank account on your chosen due date.
- Paperless Statements: Enroll online to receive bills via email and reduce clutter.
- Mobile App: Download the Citi Mobile® app to pay, view balances, and manage your Sears Mastercard on the go.
6. Payment Assistance & Important 2026 Notes
If you are experiencing financial difficulty, contact customer service at 1-800-669-8488 to discuss payment arrangements or hardship options before your due date. Late payments may trigger fees and penalty interest. Always use official Citi domains and verified phone numbers. Citi will never request payment via gift cards, wire transfers, or unsolicited links.
Customer Service Summary
- Phone: 1-800-669-8488 (24/7)
- Technical Assistance: 1-800-815-7701
- Mailing (general inquiries): P.O. Box 6275, Sioux Falls, SD 57117
Frequently Asked Questions (FAQs)
1. Is guest/one-time payment available for Sears Mastercard? Yes — use the official One-Time Payment page to pay without logging in or creating an account.
2. What is the official website to pay my Sears Mastercard bill? The authorized portal is https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=SEARS (Citi ThankYou® Mastercard® for Sears cardholders).
3. Are there convenience fees for payments? Fees may apply for credit/debit card payments (shown at checkout). Bank account (ACH) payments usually have no additional fee from Citi.
4. What is the phone number for payments? Call 1-800-669-8488 (24/7 automated and live support).
5. Where do I mail my Sears Mastercard payment? Citi ThankYou® Mastercard® Payments, P.O. Box 70604, Philadelphia, PA 19176-0604.
6. Can I set up AutoPay? Yes — enroll directly in the online portal for automatic monthly payments.
7. How quickly do online or guest payments post? Most electronic payments post the same or next business day.
8. What should I do if I cannot pay my full balance? Contact Citi at 1-800-669-8488 immediately to discuss payment arrangements or hardship options.
9. Is the card still called Sears Mastercard after rebranding? Yes — it is now the Citi ThankYou® Mastercard®, but the Sears branding and account management remain the same for existing cardholders.
10. Can I pay someone else’s Sears Mastercard bill? Yes — use the guest/one-time payment option with the card number.
11. Where can I view my statements and payment history? Log in to the official portal for up-to-date statements and full transaction history.
12. Are third-party bill-pay services recommended? No — Citi only endorses its official portal, guest pay, phone, and mail channels to avoid extra fees or delays.