Sears - sears mastercard Review

I currently have a sears mastercard. I am happy in a way because it was/is my first credit card. They gave me the opportunity to build up my credit with it. I like the fact that there is no annual fee and that they also have free reward program! ex. for every dollar, you get one point and sometimes there are opportunities for doble rewards which is awesome!

Another advantage that this credit card has it the fact that you can go to any sears store to apply for it. It only takes 3 minutes (90% of the time) and you also get $15 off your first purchase! and most importantly YOU CAN USE IT EVERYWHERE! MASTERCARD

The only cons/ about this credit card is the interest rate. It is very high almost 23%. Sometimes depends on the person's credit, however the lowest is 18% which I think is still high. This might be not always bad, since I know the high rate, I always pay off on time (all of it) that way I wouldn't have to pay any charges!

Overall, I think this creditcard deserves a 9/10