Shop Your Way Mastercard®
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Formerly known as the Sears Mastercard, this card earns a rather high 5% back in points for eligible gas purchases and 3% back in points for eligible restaurant and grocery purchases, but you can only redeem for purchases at Sears or Kmart. If you’re not a frequent Sears or Kmart shopper, this card is probably not for you.
The information related to Shop Your Way Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Citi is a Credit Card Insider advertiser.
Highlights & Features
Rewards
- 5% in points on up to $10,000 in purchases per year at Gas stations
- 3% in points on up to $10,000 in purchases per year at:
- Grocery stores
- Restaurants
- 2% in points at Sears and Kmart
- 1% in points for every other purchase
| Introductory Bonus |
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BONUS RESTRICTIONS
This offer is only valid for online applications.
Balance Transfers
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
| Intro Balance Transfer APR | N/A |
| Regular Balance Transfer APR | 25.24% Variable |
| Balance Transfer Fee | 5%, $10 minimum |
Fees
| Penalty APR | See Terms |
| Late Fee | Up to $40 |
| Returned Payment Fee | N/A |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | 3% |
Cash Advances
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
| Cash Advance APR | 28.65% Variable |
| Cash Advance Fee | 5%, $5 minimum |
Card Benefits
SECURITY
- Zero Liability on Unauthorized Charges
Shop Your Way Mastercard®
Highlights
- $40 statement credit when you apply for an account online and spend at least $50 on eligible purchases within the first 30 days (until 3/31/20)
- 5% in points on up to $10,000 in purchases per year at gas stations
- 3% in points on up to $10,000 in purchases per year at grocery stores and restaurants
- 2% in points at Sears and Kmart
- Points expire after 12 months
- Points become available one week after purchase
- Special financing offers
- Advanced notice of Sears sales events
- No annual fee
ABOUT THE ISSUER
Citi
Citi has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websitePreviously known as The Sears Mastercard, the Shop Your Way Mastercard offers discounts and deals at Sears along with all the benefits that come with having a Mastercard.
You’ll earn 5% in points at gas stations on up to $10,000 in combined purchases per year with the 3% in points you earn at grocery stores and restaurants. You’ll earn 2% in points at Sears and Kmart, and 1% in points on every other purchase. You can redeem points online or at checkout.
Take advantage of special cardmember benefits like special financing days and early notice of discounts at Sears and Kmart, both in store and online.
This card has no annual fee.
