Credit Cards

Shop Your Way Mastercard® review: up to 5% cash back

Boost your points on Shop Your Way! Their credit card lets you earn rewards on all eligible purchases, enhancing your overall experience. Read on!

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Collect points on gas, restaurants, and groceries!

Shop Your Way Mastercard®
Shop Your Way Mastercard®: Ultimate Review. Source: The Mad Capitalist

Are you in search of a credit card that rewards your daily expenses? Your search ends here with the Shop Your Way Mastercard® review.

Shop Your Way Mastercard®

Apply for the Shop Your Way Mastercard®

Find out how to apply for the Shop Your Way Mastercard® and increase your purchase points. Get the step-by-step here! Stay tuned!

In this brief guide, we’ll provide a clear and concise overview of the card’s essential features and advantages, making it easy to make an informed decision. Read on!

  • Credit Score: Good-Excellent;
  • Annual Fee: $0;
  • Purchase APR: 30.49% (variable);
  • Cash Advance APR: 29.99% (variable);
  • Welcome Bonus: Earn $75 in statement credits for every $500 spent on eligible purchases within the first 90 days with the Shop Your Way Mastercard® (up to $225);
  • Rewards: 5% in points on eligible purchases at gas stations, and 3% on eligible grocery stores and restaurants (up to $10,000 combined in the first year, then 1% after that); 2% in points on eligible Shop Your Way Merchants, and 1 point on all other eligible purchases.

Shop Your Way Mastercard®: how does it work?

Shop Your Way is a rewards program that allows you to earn points on your purchases.

The Shop Your Way Mastercard® is an extension of this program, offering even more benefits.

The is an excellent choice if you frequently shop at Sears and Kmart, want to accumulate points for future trips, and enjoy various travel and statement credits.

Welcome Bonus Explained

When you first get the card, you can earn a welcome bonus.

By making eligible purchases in the first 90 days, you can receive up to $225 in statement credits.

So, that’s a fantastic way to kickstart your rewards journey.

Rewards and Redemption 

Shop Your Way Mastercard®
Collect points on gas, restaurants, and groceries! Source: Citi

Earning and redeeming points with the Shop Your Way Mastercard® is simple.

You can browse available merchandise and use your points to shop through your Shop Your Way Account.

Also, you’ll enjoy other perks like coupons through the Shop Your Way program and online mobile access to your account.

Standard Benefits

This card comes with a range of standard benefits, such as:

  • $0 liability on unauthorized charges;
  • Extended warranty protection;
  • Price protection;
  • Identity theft protection.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Shop Your Way Mastercard®: should you get one?

Furthermore, to help you decide if the Shop Your Way Mastercard® is perfect for your finances, let’s review its pros and cons.

Pros

  • No annual fee;
  • Lucrative rewards on gas, groceries, and restaurants;
  • Attractive welcome bonus;
  • Access to Shop Your Way program perks;
  • Mastercard acceptance worldwide.

Cons

  • High variable APR;
  • Limited redemption options.

Credit score required

Indeed, to get this credit card, you’ll need a higher credit score. Thus, good to excellent credit is required.

Shop Your Way Mastercard® application: how to do it?

Do you want to discover the best way to apply for the Shop Your Way Mastercard®? So, keep reading to get full instructions in our post below. So read on!

Shop Your Way Mastercard®

Apply for the Shop Your Way Mastercard®

Find out how to apply for the Shop Your Way Mastercard® and increase your purchase points. Get the step-by-step here! Stay tuned!

About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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