5%, 3% to shop at other places but only 2% to shop at sears/kmart. jUst shows how much they have confidence in people shopping at Sears/kmart. What happens when the company goes bankrupt? Do the points stay or do they go away? That has been the question to most of the people I have tried to sign up. What happens when you go out of business or are you closing your store? Stupid, unethical, and just wrong program. JUst a way to get personal information to sell or to get money from the credit card company to keep this thing going longer. Everyone in our store refuses to ask if they want to sign up and we told our manager if he makes us we will walk and call the local T.V. station. Don't mess with us.