75,000 Points
Worth $750
After you spend $6,000 on purchases on your new card in your first 3 months of card membership.
- 12%Car Rental (cititravel.com)
- 12%Entertainment (cititravel.com)
- 12%Hotel (cititravel.com)
Annual Fee
$595
Rec. Credit
Excellent
Citi
Shop Your Way Mastercard®
This card is built for someone who spends heavily on gas and regularly buys groceries, especially if they do not want to pay an annual fee. It works best as a focused rewards card for everyday essentials rather than as a do-everything card.
Welcome Offer
4,000 Points
Annual Fee
$0
Rec. Credit Score
Good
Good For
Gas and grocery spending
All information about Shop Your Way Mastercard® has been collected independently by MaxRewards. Shop Your Way Mastercard® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Shop Your Way Mastercard® worth it?
This card is great for...
Gas station purchases
Supermarket spending
No-fee everyday rewards
The Shop Your Way Mastercard® is worth a look if gas is one of your biggest monthly expenses and you want solid grocery rewards alongside it. A no-annual-fee card that earns 5% on gas and 3% on groceries can be useful for households with a lot of driving, commuting, or family errand spending. The welcome offer is modest, but the ongoing rewards are the main reason to carry it.
The tradeoff is flexibility. Rewards are earned in Sears points, so the value of this card depends on whether you are comfortable using that rewards currency. It is also not a strong fit as your only card, since purchases outside gas, groceries, and Sears earn just 1%. For the right spender it can be a practical category card, but most people will want to pair it with a stronger everyday card for everything else.
MaxRewards Verdict
This card makes the most sense for drivers and households that spend a lot on gas and groceries and want to avoid an annual fee. Its biggest limitation is that the rewards currency is narrower and less flexible than standard cash back.
Welcome Offer
4,000 Points
after you spend $50 on purchases on your new card in your first 1 months of card membership.
Est. Value
$40
Required Spend
$50
Time Frame
1 Month
Est. Value
$40
Required Spend
$50
Time Frame
1 Month
Earning
Rewards
The value here comes from a simple category structure: elevated rewards at gas stations, decent returns on groceries, and 1% elsewhere. The key question is not just how much you spend, but whether earning Sears points fits how you actually redeem rewards.
CategoryRate
Gas
Up to $10,000 spend per year
5%
Grocery
Up to $10,000 spend per year
3%
Sears
2%
Everywhere
1%
Rewards percent based on a valuation of 1¢ per Sears point
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Citi
See all 38 cards
75,000 Points
Worth $750
After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
- 2%American Air
- 2%Car Rental
- 2%Gas
Annual Fee
$99
Rec. Credit
Excellent
70,000 Points
Worth $700
After you spend $7,000 on purchases on your new card in your first 3 months of card membership.
- 10%Car Rental (aa.com/cars)
- 10%Hotel (aa.com/hotels)
- 4%American Air
Annual Fee
$595
Rec. Credit
Excellent