Consumers can put away as little as $5, $10 or $20, and the retailers will add an extra 3% towards the amount accumulated on the card (up to $100) by Nov. 15.
"We want people to understand you don't have to put all your money away now," says Susan Ehrlich, Sears Holdings' financial services president. The goal is to "focus on [contributing] a little bit each week and over time, it can add up to a lot."