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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.

Citi is a Credit Card Insider advertiser.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 25.24% Variable

Shop Your Way Mastercard®

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending 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
  • $40 statement credit when you apply online and spend $50 within the first 30 days


This offer is only valid for online applications.

Balance Transfers

A balance transfer is a way to move debt from one 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
How to Transfer a Balance on a Credit Card


Penalty APR See Terms
Late Fee Up to $40
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
Shop Your Way Mastercard®


  • $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


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 website

Speak to Customer Service

1-800-917-7700 or

Try a different phone number
See all Issuer Cards

Previously 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.

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.

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