Shop Your Way makes it easy to earn points on everyday purchases and redeem them on popular brands. As a Shop Your Way Loyalty Member, you can track your points online or through the Shop Your Way app, and you can redeem eligible points for your choice of hundreds of gift cards.3
Earn points at gas stations, grocery stores, restaurants and more
From your morning coffee to your gas, groceries and everything in between, Shop Your Way Mastercard® cardholders earn points on everyday eligible purchases2 ...everywhere Mastercard® is accepted:
- 5% in points on eligible purchases at gas stations2 and 3% in points on eligible purchases at grocery stores and restaurants2 on the first $10,000 of combined gas, grocery and restaurant purchases per calendar year, then 1% thereafter
- 2% in points on eligible purchases at Shop Your Way Merchants2
- 1% in points on all other eligible purchases2
Then, as a Shop Your Way loyalty member, you can redeem your eligible Shop Your Way Points for your choice of hundreds of gift cards,3 from top brands such as Amazon, The Home Depot, Walmart and more.
Other benefits, including a great new account offer
Currently, new cardholders can earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases in the first 90 days after they are approved for a new Shop Your Way Mastercard®. This offer is valid for new accounts opened 10/1/24 to 3/31/25.*
What’s more, the Shop Your Way Mastercard comes with no annual fee1. To learn more about Shop Your Way Mastercard benefits, click here
Disclosure: This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.
Terms and Conditions
*Up to $225 in Statement Credits Offer on new Shop Your Way Mastercard® Credit Cards Only
This offer is only available for new Shop Your Way Mastercard® accounts opened 10/1/2024 – 3/31/2025, is not transferable and is subject to credit approval. Receive a $75 statement credit each time eligible purchases made with your new Shop Your Way Mastercard total $500 or more and post to your new account within 90 days of account opening, up to a maximum total value of $225 in statement credits for this offer. The following types of transactions do not qualify as eligible purchases: use of checks that access your Shop Your Way account, balance transfers, cash advances, traveler’s checks, foreign currency purchases, money orders, wire transfers, and similar cash-like transactions, lottery tickets, gaming chips and similar betting transactions; interest and account fees; unauthorized charges; and items returned for credit. The Shop Your Way Mastercard account must be current and open at the time we determine whether you qualify for the statement credit(s) in order to receive the statement credit(s). Please allow 4-8 weeks following the end of the promotional period for the statement credit(s) to be added to your account. Valid on new accounts only. Limit one new account offer per account. Offer subject to change without notice. Offer at participating locations only and may vary. Restrictions apply.
To make a purchase the day of account opening at a Sears or Kmart store, bring photo ID and have Associate complete an account number look-up.
1 Shop Your Way Mastercard New Accounts: As of 9/24/2024, the APR for purchases and for balance transfers is 33.74%; the APR for cash advances is 33.74%. These APRs will vary with the market based on the Prime Rate. The Minimum Interest Charge is $2. The cash advance fee is 5% of each transaction, minimum $5; the balance transfer fee is 5% of each transaction, minimum $10 and the transaction fee for foreign purchases is 3% of each purchase transaction in U.S. dollars. See card agreement for details. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.
2 Shop Your Way Additional Category Earn Program
The Shop Your Way Additional Category Earn Program is not transferable and is subject to credit approval. The Shop Your Way Additional Category Earn Program is subject to the Membership Terms and Conditions for the Shop Your Way Program located at https://www. shopyourway.com/terms (the “SYW Terms & Conditions”). Your Shop Your Way member number must be linked to your Shop Your Way Mastercard® in order to participate in the Shop Your Way Additional Category Earn Program. Defined terms herein have the same meaning as contained in the SYW Terms & Conditions.
You have the opportunity to earn Shop Your Way Global Points when you use your Shop Your Way Mastercard® for eligible purchases. Whenever a percentage back in Points is stated herein, such percentage includes any Card Base Points (as defined below) and SYW Merchant Base Points. When Card Point and Merchant Base Point offers are combined, total Points earned will be less than the combined Point totals for each individual offer.
You may only earn 5% back in Shop Your Way Global Points on eligible gas station purchases and 3% back in Shop Your Way Global Points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 per calendar year and then 1% thereafter. The limit on Points that may be earned on eligible gas station, restaurant and grocery store purchases will be reset each December 31st, and eligible purchases made in such categories after that date will again be eligible to earn Card Extra Points until the limit is again reached.
5% back in Shop Your Way Global Points on eligible gas station purchases, for the first $10,000 (which includes the eligible restaurant and grocery store purchases) per calendar year and then 1% thereafter. (5% back in Points equals 4% in Card Extra Points and 1% in Card Base Points.) Certain Non-Eligible Purchases. You will only earn 1% back in Card Base Points, not 5%, for gas purchased at superstores, supermarkets, convenience stores and warehouse clubs or for fuel used for non-automobile purposes.
3% back in Shop Your Way Global Points on eligible restaurant (including cafes, bars, lounges and fast food restaurants) and eligible grocery store purchases for the first $10,000 (which includes the eligible gas station purchases) per calendar year and then 1% in Card Base Points thereafter. (3% back in Points equals 2% in Card Extra Points and 1% in Card Base Points.) Certain Non-Eligible Purchases. You will only earn 1% in Card Base Points, not 3%, for restaurant purchases made at bakeries and certain restaurants/cafes inside department stores, grocery or warehouse clubs, and for grocery purchases made at superstores, convenience stores, gas stations, warehouse clubs, and discount stores.
2% back in Shop Your Way Global Points on purchases that are “Qualifying Purchases” under the Shop Your Way Program at participating Shop Your Way Merchants. (2% back in Points equals 1% in SYW Merchant Base Points and 1% in Card Base Points.) A list of current participating Shop Your Way Merchants is located at https://www.shopyourway.com/partner-terms.
1% back in Shop Your Way Global Points on other purchases that are not classified as either Qualifying Purchases or Non-Qualifying Purchases under the Shop Your Way Program and that are made outside of Shop Your Way Merchants or are described above as “Certain Non-eligible Purchases” (“Card Base Points”).
No points are awarded or can be redeemed for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare® fees, interest charges and credit card fees. Except as otherwise determined by Transform SR Holding Management LLC in its sole discretion, Members may redeem Shop Your Way Global Points on all Program-Eligible Purchases at Shop Your Way Merchants except for purchases of prescriptions.
Points will post to your Shop Your Way account within approximately one week after the eligible purchase is made. Points can be redeemed at checkout instore or online. Exclusions apply. For Point redemption and expiration terms, visit https://www.shopyourway.com/terms. Merchants must submit charges under the appropriate merchant code or industry code for you to receive the Points. We do not determine whether merchants appropriately identify all transactions you make on your account but we do reserve the right to determine which purchases qualify for Points. By accepting Shop Your Way member benefits and offers, you agree to the Shop Your Way terms and conditions, available at https://www.shopyourway.com/terms. The Shop Your Way Program is offered by Transform SR Holding Management LLC. Citibank is not responsible for products or services offered by other companies.
To discontinue participation in the Shop Your Way Programs at any time, call Shop Your Way at: (847) 766-0361 during regular business hours or by email sywsolutions@syw.com. TTY: Use 711 or other Relay Service. Terms of cancellation may vary by state. For cancellation terms, visit: https://www.shopyourway.com/terms.
3Only select points are eligible for redemption on gift cards. To see the number of Points eligible to be redeemed for gift cards and for the terms and conditions relating to gift cards, log into your Shop Your Way account at www.shopyourway.com/giftcards. Shop Your Way Gift Cards powered by Raise gift cards are provided by Raise Marketplace LLC, a third party, as part of the Shop Your Way Program offered by Transform SR Holding Management LLC. Citibank is not responsible for products or
services offered by other companies. All trademarks are property of their respective owners. The gift cards featured are not sponsors or otherwise affiliated with Citibank.
Shop Your Way credit cards are issued by Citibank, N.A. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Citi and Arc Design is a registered service mark of Citigroup Inc. Shop Your Way and related logos, are used with permission and under license from Transform SR Brands LLC. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC. Citibank is not responsible for products or services offered by other companies.
