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Shop Your Way Mastercard®

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You’re on the new shopyourway.com!

Back to the old Shop Your Way



Rewards, re-imagined.

Shop Your Way is the only all-in-one rewards platform that makes it easy to earn
on everyday purchases and redeem them on brands you love. Access your points
anywhere with the Shop Your Way app and start rewarding yourself.

Get Started


Interested in driving growth for your company?

Become a partner

The easiest way to reward yourself

Earn

Hungry for points? Earn them on everything you buy from our partners. Plus,
points are stackable! Earn even more when you make eligible purchases with the
Shop Your Way Mastercard®.

Reward

Rewards you can use at the places you love. Easily turn points into popular
brand gift cards on everything from apparel and home essentials to entertainment
and exotic vacations. The choice is yours.

Use

Experience is everything... and Shop Your Way delivers. Our handy on-site tools
include an all-in-one wallet, instant point conversions, reward tracking and
more.

FAQs

WHAT IS SHOP YOUR WAY®?

HOW DO SHOP YOUR WAY REWARDS WORK?

WHAT DO I GET WITH SHOP YOUR WAY REWARDS?

WHAT ARE THE BENEFITS OF SHOP YOUR WAY OVER OTHER REWARDS PROGRAMS?

HOW DO I SIGN UP FOR SHOP YOUR WAY REWARDS?

DOES SHOP YOUR WAY HAVE A MOBILE SHOPPING REWARDS APP?

HOW DO I CHECK MY SHOP YOUR WAY REWARDS POINTS?

HOW WILL I KNOW IF I RECEIVED ALL MY SHOP YOUR WAY REWARDS POINTS?

Show more

Maximize your rewards

Earn points with Shop Your Way’s expansive network of everyday brands.

Get started, easy

Create your account here or simply download the Shop Your Way app to start
earning points right away.

Get Started



Rewards on brands you actually use

Redemptions that are making an impact

Say hello to more everyday rewards with the Shop Your Way Mastercard®

The more you shop, the more Shop Your Way Points you’ll earn on eligible
purchases. The card that gets you more.

Get up to $225 in Statement Credits†

Earn a $75 statement credit for every $500 spent, up to $225, on eligible
purchases† made wherever Mastercard® is accepted in the first 90 days after you
are approved for a new Shop Your Way Mastercard®‡. Valid for new accounts opened
1/29/2023 - 7/31/2023.

Apply Now

†See details and exclusions

Earn Shop Your Way points on everyday eligible purchases

From your morning coffee to your gas, groceries and everything in between, earn
points on everyday eligible purchases... everywhere Mastercard® is accepted.

Learn More

5

%

in points*

On eligible purchases at gas stations**

3

%

in points*

On eligible purchases at grocery stores & restaurants**

**On the first $10,000 of combined gas, grocery store, and restaurant purchases
per calendar year then 1% thereafter.

2

%

in points*

On eligible purchases at Shop Your Way Merchants.

Such as Sears, Kmart, Sears Hometown Stores and Sears Home Services

1

%

in points*

On all other eligible purchases

*Shop Your Way Additional Category Earn Program Terms & Conditions

Pay with Shop Your Way

You can pay with your points anywhere you see “Pay with Shop Your Way” during
Checkout. Look for us when you shop with your favorite brands online.

1. Look for us in Checkout

Select “Pay with Shop Your Way”

2. Apply for the Shop Your Way Mastercard®

It’s quick and easy

3. Pay with points and earn!

With your new card

Are you looking for a rewards partner?

Our turnkey rewards and payment solutions help you engage better across the
customer journey.

Learn more about our partnerships for brands →

All your rewards,

all in one place.

The Shop Your Way app makes it easy to get rewarded, manage your points, and do
all your shopping — all in the app.

Learn more



Start earning more points in more places with the

Shop Your Way Mastercard®

Get Started


Terms and Conditions

‡Shop Your Way Mastercard® new accounts: As of 3/28/2023, the APR for purchases
and balance transfers is 29.99%; the APR for cash advances is 29.99%. 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.

†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
1/29/2023 – 7/31/2023, is not transferable and is subject to credit approval.
Receive a $75 statement credit each time eligible purchases made wherever
Mastercard® is accepted 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, travelers
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.

*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 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
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 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.

1Benefits are subject to terms, conditions and limitations, including
limitations on the amount of coverage, please reference the Guide to Benefits.
Extended Warranty® and Price Protection are provided by New Hampshire Insurance
Company, an AIG Company. Identity Theft Protection is provided by Generali
Global Assistance, Inc. Certain terms, conditions and exclusions apply. Please
call 1-800-MASTERCARD for details.

^Only 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.

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.



Terms & Conditions

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Privacy Policy

Do Not Sell Or Share My Personal Information

Interest Based Ads

California Residents - Proposition 65 Warning

California Transparency Act

CardLink Program Terms and Conditions

Partner terms

California Privacy Rights

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help center

©2022 Transform SR Holding Management LLC

Not seeing what you need?

Visit our old website

www.shopyourway.com

Not seeing what you need?

Visit our old website

www.shopyourway.com

Question? Check out our

help center

©2022 Transform SR Holding Management LLC

Terms & Conditions

Terms of Use

Privacy Policy

Do Not Sell Or Share My Personal Information

Interest Based Ads

California Residents - Proposition 65 Warning

California Transparency Act

CardLink Program Terms and Conditions

Partner terms

California Privacy Rights

Terms & Conditions

Terms of Use

Privacy Policy

Do Not Sell Or Share My Personal Information

Interest Based Ads

California Residents - Proposition 65 Warning

California Transparency Act

CardLink Program Terms and Conditions

Partner terms

California Privacy Rights




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