The Sears credit card is issued by United Bank and composed of three types of universally accepted charge cards: Visa , Visa Gold and Gold MasterCard. These Sear products are gateways for shoppers have been expanded with the merger of Kmart and Sears which set up Sears Holdings Corporation. As a result of this merger, the company’s charge plate is honored at all members of the holding company: Kmart1, Sears, Sears.com Sears Grand, Sears Auto Centers, Sears Essentials, The Great Indoors, Sears Hardware, Sears Dealer Stores, Lands’ End, landsend.com, and Orchard Supply Hardware. Nevertheless, Sears cards can also be used at AOL (for monthly provider fees), Sears Dental, Sears Optical, Sears Repair and Product Services, Sears Portrait Studios, Sears Dealer Stores, Sears Flowers, and Avis. There are no annual fees which provide rewards, convenient monthly payments and 24/7 customer service. Payments are received online and at Sears stores. By mail, payment address for Sears credit card is: Sears Private Label Payments, PO Box 183081,Columbus, OH 43218-3081. Overnight payments should be sent to: Payment Center,1500 Boltonfield St., Columbus, OH 43228.