From generous rewards in Sears through the best Kmart deals, this credit card is your go-to when shopping—and doing it on your terms.
Or is it?
Let’s find out—
This article will show you:
- Why Shop Your Way Mastercard is not the Sears credit card.
- The card’s rewards, benefits, and fees.
- How it compares to other offerings.
Read more:
Quick Summary
Full name: Shop Your Way Mastercard
Best for: Everyday spending rewards at Sears and Kmart
Required credit score: Good–excellent
Issuer: Citi
Customer rating: 3/5
Shop Your Way Mastercard vs. Sears credit card
The Shop Your Way Mastercard and Sears Credit Card may seem like they’re the same thing, but they’re actually two different cards.
Both are linked to the Shop Your Way rewards program, but the Shop Your Way Mastercard lets you earn rewards on all purchases—even those outside of Sears and Kmart.
The Sears Credit Card is mainly for getting rewards and discounts at Sears and Kmart only.
Plus, the Shop Your Way card is a Mastercard, which means you can use it anywhere—while the Sears Credit Card is just for their stores.
In this review, we’ll talk about the Shop Your Way Mastercard specifically.
Shop Your Way Mastercard Credit Card: Overall Card Review
|
Category |
Features |
Rating |
|
APR |
30.24% |
1/5 |
|
Annual fee |
$0 |
5/5 |
|
Intro offer |
Up to $225 |
5/5 |
|
Rewards |
1%–5% |
4.5/5 |
|
Overall credit card rating |
4/5 |
Pros
- Rewards for all kinds of purchases.
- No annual fee.
- Special offers just for you.
- Extra perks for Shop Your Way members.
- Global acceptance.
- Add authorized users.
- Enhanced security features.
- Mobile app and online account management.
Cons
- High-interest rates.
- More rewards at Shop Your Way stores.
- Your credit score’s on the line.
- Watch out for a foreign transaction fee.
- Temptation to overspend.
- Rewards redemption restrictions.
- Less impressive rewards rates compared to some cards.
- Fewer perks compared to premium cards.
Pros explained—What we like
Rewards for all kinds of purchases
Earn points with the Shop Your Way Mastercard—whether you’re shopping at Sears, Kmart, or any other store.
No annual fee
Forget about extra costs since there’s no yearly fee for having this card.
Special offers just for you
Being a cardholder means you get access to cool offers and discounts only available to card members.
Extra perks for Shop Your Way members
If you’re part of the Shop Your Way rewards program, you’ll be able to score even more benefits and rewards.
Global acceptance
As a Mastercard, the Shop Your Way Mastercard is accepted almost anywhere, providing you with convenience and flexibility during your shopping adventures.
Add authorized users
Invite family members or close friends to be authorized users on your account, allowing them to contribute to earning even more rewards collectively.
Be careful with this, though. An authorized user’s actions can hurt your credit (if they charge more than you can pay or if they charge too much and your utilization percentage gets too high).
It’s best to keep only close family as authorized users.
Enhanced security features
Mastercard offers robust fraud protection to keep your account safe and secure, so you can shop with confidence.
Mobile app and online account management
Easily track your rewards, manage your account, and make payments with a user-friendly mobile app and an online portal.
Safety guaranteed
The issuer gives you a $0 Liability on Unauthorized Purchases, Extended Warranty®, Price Protection, and Identity Theft Protection.
Cons explained—Keep in mind
Extra complicated rewards structure
To maximize your rewards, you need to be eligible for them and apply for the Shop Your Way Additional Category Earn Program.
Here’s what you’ll find in the Terms and Conditions: “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 SYW Merchant Base Point offers are combined, total Points earned will be less than the combined Point totals for each offer.”
Need a translation from legalese?
Typically, you just earn points or a percentage of your purchases. But with Shop Your Way Mastercard, it isn’t that simple.
Not only do you need to know what Shop Your Way Global Points, Card Base Points, and SYW Merchant Base Points are, but you’ll also have to figure out the best way (and time) to combine them.
Interest rates can sting
Watch out for those higher interest rates compared to other cards, which might hurt if you don’t pay off your balance each month.
APRs might have been steadily going up everywhere—but still, over 30% is a lot.
If you’re someone who often keeps a balance on their card, you’ll want banks that offer a lower interest rate. Always keep an eye out for any introductory offers or promotional rates, but don’t forget to inquire about the regular rates after this period ends.
Mike RobertsCo-Founder of City Creek Mortgage
More rewards at Shop Your Way stores
While you get rewards everywhere, you score the most points at places like Sears and Kmart, so it’s best for frequent shoppers at these stores.
Your credit score’s on the line
Stay on top of your payments and keep an eye on your credit use. Otherwise, it could hurt your credit score.
Watch out for a foreign transaction fee
If you love to shop online and—most importantly—internationally, steer away from the Shop Your Way Mastercard. The 3% foreign transaction fee adds up quickly.
The temptation to overspend
With all those rewards and special offers, you might spend more than you should, so keep tabs on that shopping spree.
Rewards redemption restrictions
There could be some hoops to jump through, like expiry dates or specific items, when cashing in on those rewards.
Less impressive rewards rates compared to some cards
You’ll get rewards, but there might be cards out there with even better rewards rates for certain types of spending. (We’ll show you some alternatives below.)
Fewer perks compared to premium cards
Unlike premium credit cards, this one might not give you extra treats like travel insurance or concierge service.
Shop Your Way Mastercard Credit Card Fees & Rates
|
Annual fee |
$0 |
|
APR |
30.24% |
|
APR for cash advances |
29.99% |
|
Balance transfer fee |
5% of each transaction (minimum $10) |
|
Cash advance fee |
5% of each transaction (minimum $5) |
|
Foreign transaction fee |
3% |
|
Late fee |
Up to $40 |
|
Minimum interest charge fee |
$2 |
On to the fun part—rewards.
Rewards at a Glance
How do Shop Your Way points work, and what are Sears points worth?
Let’s see:
|
Rewards |
Shop Your Way Mastercard |
|
Rate |
5% back in points on eligible purchases at gas stations (only 1% at superstores, supermarkets, convenience stores, and warehouse clubs or for fuel used for non-automobile purposes) 3% back in points on eligible purchases at grocery stores and restaurants (only 1% at bakeries and chosen restaurants/cafes inside department stores, grocery or warehouse clubs, superstores, convenience stores, gas stations, warehouse clubs, and discount stores) 2% back in points on eligible purchases at Sears and Kmart (find a list of participating merchants here) 1% back in points on all other eligible purchases You’ll earn 3%–5% on the first $10,000 of purchases—after that it’s only 1% back in points until the next calendar year. |
|
Points worth |
You’ll usually earn 10 to 50 points per $1 spent (frequent promotions let you earn more). Then, 1,000 points equal $1. (For example, if you spend $100 at the store, you’ll earn 1,000 points and redeem $1. If you spend $100 at the eligible gas station, you’ll earn 5,000 points and will redeem $5.) |
|
Redemption |
Redeem as: |
|
Expiration |
Unless they come with a shorter expiration period, Shop Your Way Global points expire one year after your purchase, at the end of the quarter |
|
Cap |
You’ll earn 3%–5% on $10,000 per calendar year and only 1% after |
|
Exclusions |
You won’t receive points for:
|
Cardholders Q&A—Customer Reviews
Online reviewers will be honest with you—
“The system is a little confusing… like from the regular shopyourway site it doesn’t seem that I can log into the credit card account, so I had to search for a separate site.”
“Just beware of the deferred interest and sky-high interest rate if you’re thinking about carrying a balance on it.”
“Personally speaking, it’s a vaporware product, and since the promos are targeted, it’s even lesser likely to be worth an HP and new account on your CR. That being said, this card certainly has been an interesting case study for the past few years”.
And, last but not least, about the rewards program—
“They run many concurrent promotions, spit out coupons in the store, they randomly give out points to get you to shop more. Sometimes it’s $10 on $40 or $25 on $25 or $250 on $250 spread out over a certain period of time.”
Actionable Advice for Effectively Using Shop Your Way Mastercard
Does it seem like the card is worth it?
If it does, look at some ways you can make it work for you—
Pay your balance in full and on time each month
Always pay your Shop Your Way Mastercard balance in full and on time each month. This way, you won’t have to deal with annoying late fees or extra interest charges.
And it keeps your credit score looking good.
Maximize rewards by shopping strategically
Make sure to shop smart when using the card.
Look for special offers, promotions, and events, as they can help you save money and earn more rewards. It’s like getting the best bang for your buck every time you shop.
If you’re up for the challenge, write the promotions down into your calendar and plan your shopping trips and meal plans accordingly.
Remember that you have to constantly be on the lookout for promotions, as they disappear quickly.
Read more:
Sign up for the Shop Your Way newsletter
When you sign up on the shopyourway.com, you’ll receive emails with the latest promotions, deals, and chances to snag a few points or a coupon.
Remember to whitelist the Shop Your Way email address to receive all their messages.
Monitor credit card statements regularly
It’s a good idea to regularly check your credit card statements to make sure everything is correct.
This habit can help you spot any mistakes or suspicious charges, so you can resolve any issues as soon as possible.
Pair your Shop Your Way Mastercard with another card for greater rewards coverage
To get even more rewards, consider pairing your Shop Your Way Mastercard with another rewards card that covers different spending categories.
This way, you can maximize your rewards and savings in various areas of your life.
Some ideas? Here you go:
If you’re not sold on the card, check out the alternatives—
Alternatives: How Does Shop Your Way Mastercard Compare to Other Rewards Cards for Good or Excellent Credit?
|
Card |
|||
|
Annual fee |
$0 |
$0 |
$0 |
|
APR |
30.24% |
0% for the first 15 months, 19.99%–28.74% after |
0% for the first 18 months, 18.99%–28.99% after |
|
Rewards |
5% back in points on eligible purchases at gas stations 3% back in points on eligible purchases at grocery stores and restaurants 2% back in points on eligible purchases at Sears and Kmart 1% back in points on all other eligible purchases |
5% cash back on rotating categories, 3% on dining and drugstores, 1% on all other purchases |
2% cash back on every purchase (1% when you buy, 1% when you pay it off) |
|
Promotion |
Up to $225 after spending $1,500 in the first three months |
Learn $200 after spending $500 in the first three months |
None |
And, if you need more options to choose from—
Chase Freedom Unlimited
card_name The Chase Freedom Unlimited is a cool card that gives you cashback rewards and has no annual fee.
Capital One Quicksilver Cash Rewards
Earn unlimited 1.5% cash back on every purchase with Capital One Quicksilver Cash RewardsCapital One Quicksilver Cash Rewards. Plus, there’s no annual fee to worry about.
Discover it Cash Back
Get ready for some sweet 5% cash back on different categories each quarter. There’s no annual fee here, either.
card_nameDiscover it Cash Back is perfect for those who don’t mind juggling rotating bonus categories.
Bank of America Cash Rewards
Customize your 3% cash back categories and have fun with this versatile card. Oh, and it’s annual fee-free too.
Is Shop Your Way Mastercard Credit Card Good for Me?
Chances are it’s not.
We believe there are better alternatives (you can find them in our list of the best rewards credit cards).
One of them is the Chase Freedom Flex: This card offers a similar rewards setup, with 5% cash back on rotating categories, 3% on dining and drugstore purchases, and 1% on all other spending.
Unilke with the Citi Shop Your Way card, with Chase Freedom Flex, you can redeem points as cash back, a statement credit, gift cards, or for travel. (And they don’t expire.)
Plus, to earn a $200 sign-up bonus, you only need to spend $500 in three months (instead of $1,500).
What if I’m a huge Sears and Kmart fan, you may ask?
Then just get the Sears card. That way, you’ll reap the rewards and won’t be on the hook for paying interest rates.
Or, become a Shop Your Way member and link your existing credit card. Not only is it possible, but even recommended.
FAQ
Can you use a Sears Credit Card at Kmart?
Yes, you can use a Sears Credit Card at Kmart and on the kmart.com website because both stores are affiliates of the Shop Your Way rewards program.
This means you can shop at Kmart using your Sears card and also earn rewards points on your purchases.
When you shop there, you’ll earn 2% in points on your eligible purchases.
See better alternatives by checking out our list of the best cashback credit cards.
Who issues Sears credit cards?
Sears credit cards (Shop Your Way Mastercard and Sears Credit Card) are issued by Citi.
Both cards earn points and rewards.
Check out more rewards credit cards.
How to get free Shop Your Way rewards points?
To score some free Shop Your Way rewards points, keep an eye out for their special promotions and offers.
Members can snag points by participating in sweepstakes, taking online surveys, or engaging with their app and social media channels.
You can also obtain bonus points by purchasing featured items or shopping during events.
Always stay updated with the Shop Your Way website and emails to make sure you don’t miss any awesome chances to earn free points.
Where can you use Shop Your Way points?
You can use Shop Your Way points at various affiliated retailers, including Sears and Kmart.
You can redeem points for purchases made online at sears.com, kmart.com, shopyourway.com, searspartsdirect.com, Sears Home Services In-Home Repair, Sears Home Services Protection Agreements, and Sears Home Warranty.
You can also redeem points as gift cards for different brands, including Groupon or Google Play, (see the full list at shopyourway.com/giftcards).
Be sure to check for eligible products and remember to log in to your Shop Your Way account while making purchases to apply your points.
How to use Sears reward points?
To use your Sears reward points, which are a part of the Shop Your Way rewards program, follow these steps:
- Log in to your Shop Your Way account using your member ID or email and password.
- Shop at affiliated retail stores (Sears, Kmart, etc.) or make online purchases at their websites.
- During checkout, when prompted, choose to apply your rewards points to the purchase.
- The points will be applied, and the purchase total will be adjusted accordingly.
Make sure you’re logged into your account when shopping online, and have your membership details handy to ensure you can redeem your reward points.
How to check Sears points
To check your Sears Shop Your Way rewards program points:
- Visit the Shop Your Way website at shopyourway.com.
- Log in to your account using your member ID or email and password.
- Once logged in, your available points balance will be displayed on the top right corner of the page.
Alternatively, you can check your points balance via the Shop Your Way mobile app by logging in and selecting the “Rewards” tab.
Keep an eye on emails from Shop Your Way, as they may include updates on your point balance.
Where can I use my Shop Your Way Mastercard?
You can use your Shop Your Way Mastercard anywhere Mastercard is accepted, making it a versatile choice for your shopping needs.
This includes affiliated retailers like Sears and Kmart and countless other merchants worldwide.
You can also use it for online purchases at various websites, including sears.com, kmart.com, or anywhere else that accepts Mastercard as a payment option.
When shopping internationally, remember about the 3% foreign transaction fee.
How to redeem Sears reward points online?
To redeem your Sears reward points online:
- Visit the participating websites—depending on where you’d like to shop.
- Log in to your Shop Your Way account using your member ID or email and password.
- Browse the site and add the items you want to purchase to your cart.
- Proceed to checkout when you’re ready.
- During checkout, you can apply your Shop Your Way rewards points to the purchase. Select this option and confirm the points you’d like to redeem.
- Your points will be applied, and the total cost of your purchase will be reduced accordingly.
- Complete your transaction by providing any remaining payment information and confirming your order.
Alternatively, you can redeem points as gift cards for different brands, including Groupon, Google Play, Bath & Body Works, Uber, and many more.
See the full list at shopyourway.com/giftcards.
