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The Shop Your Way Mastercard was formerly known as the Sears Mastercard. As such, it was originally designed for shoppers who patronize Sears, meaning the rewards were restricted to Kmart and Sears shoppers.
However, since Sears and its big-box chain Kmart are all but defunct with a handful of stores remaining at the end of 2021, the Shop Your Way credit card now offers rewards that don’t require you to shop at those two retailers. . The Shop Your Way Mastercard is issued by Citibank.
By the way, the Shop Your Way Mastercard isn’t the only Sears credit card. The retailer also offers the Sears Card, which can only be used at Sears and Kmart stores, Land’s End and websites operated by each of these retailers. However, unless you live in an area where there are still Sears or Kmart stores or shop on those retailers’ websites, the Sears Card won’t do you any good.
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Contents Pin up
1. Shop Your Way Mastercard Details
2. Online account access
2.1. Sears Shop Your Way Credit Card Online Login
3. SYW Credit Card Customer Service
3.1. Shop Your Way Customer Service Phone Number
3.2. Shop Your Way Mailing Address
3.3. Customer service opening hours
4.1. Can I use my Sears Citi Mastercard anywhere?
4.2. Who took over Sears Mastercard?
4.3. What happened to Sear?
4.4. How can I check my Sears Points?
4.5. Can you use Shop Your Way points at Walmart?
5. Final Thoughts
Shop Your Way Mastercard Details
The Shop Your Way Mastercard is a rewards card that offers points on every qualifying purchase. New cardholders can receive a $40 credit when they make eligible purchases worth $50 within the first 30 days of account opening.
You get the most points when you use your card for purchases at gas stations. Qualifying purchases at gas stations will earn 5% in points on the first $10,000 in purchases during the calendar year. For example, if you spend $500 at gas stations with your Shop Your Way credit card, you’ll get 25,000 points, or $25 in cash.
You’ll earn 3% points on qualifying purchases at restaurants and grocery stores. For example, $500 in restaurant or grocery purchases will earn you 15,000 points, or $15. You’ll also earn 2% in points on your purchases at Sears or Kmart. All other purchases earn 1% in points, which means that $500 of combined purchases are worth 5,000 reward points or $5.
The easiest way to redeem the points you earn is to use gift cards from a wide variety of brands, saving you money in a wide variety of places. However, only certain points can be redeemed for credit cards. The credit card also allows you to earn rewards on brands sold by Sears. Unfortunately, points expire if you don’t use them.
You have until the end of the quarter one year from the date Citibank awarded them. Points can be redeemed approximately one week after qualifying purchase, although they may become available the next day.
You can check your available points balance here or by downloading the Shop Your Way app via Google Play Store or Apple App Store. There is no annual fee, but there are other credit card fees with the Shop Your Way Mastercard.
The regular APR for purchases and balance transfers is 25.24%. The APR for a cash advance is 27.15%. Cash advance fees are 5% of each transaction with a $5 minimum, while balance transfer fees are 5% of the transaction with a $10 minimum. There is also a 3% foreign transaction fee in US dollars.
To apply for a Shop Your Way Mastercard, you will need your social security number and basic information such as your name, address, phone number and other details. It is recommended that you have a credit score between 670 and 850 before applying for this credit card, although you may qualify with a lower credit score.
As it is a Mastercard issued by Citibank, it is accepted wherever Mastercard is accepted.
Sears Online Account Access Shop Your Way Credit Card Online Login
The easiest way to make credit card payments with your Shop Your Way Mastercard is to use the financial institution’s online services. To access your Shop Your Way credit card account online, you can log in through the Citibank site here. If you have not yet registered your Shop Your Way Mastercard account online, you can do so at the same link.
SYW Credit Card Customer Service Shop Your Way Customer Service Phone Number
The customer service phone number for the Shop Your Way credit card is 877-816-9063. Make sure you have your credit card handy so you can give your account number to the customer service representative.
Shop Your Way Mailing Address
For general inquiries, you can use this mailing address for the Shop Your Way credit card:
Sioux Falls, SD 57117
To make credit card payments with your Shop Your Way Mastercard, you can use either of these two mailing addresses. Be sure to include your account number so they know where to record your payment.
Shop your way Credit card
Phoenix, AZ 85062
Philadelphia, Pennsylvania 19176
For next day delivery and express payments, use this address:
Next day delivery/express payments
Attention: Consumer Payments Department.
6716 grade track
Building 9, Suite 910
Louisville, Kentucky 40213
Customer service opening hours
Shop Your Way Mastercard customer service is available by phone from 7:30 a.m. to 10:00 p.m. Central Time, seven days a week, excluding select holidays.
FAQs Can I use my Sears Citi Mastercard anywhere?
Your Citibank-issued Sears Credit Card can be used anywhere Mastercard is accepted.
Who took over Sears Mastercard?
Citi purchased Sears’ US credit card portfolio, while Scotia acquired Sears’ Canadian credit card portfolio from Chase Canada in 2020.
What happened to Sear?
Sears declared bankruptcy in October 2018 and Sears Holdings emerged from bankruptcy in February 2019. When the department store chain filed for bankruptcy, it said it had fewer than 700 stores in operation.
As of September 2021, Sears had fewer than 300 stores. As of November, there were only 21 full-line Sears stores left in the continental United States and two in Puerto Rico, according to the store locator on the retailer’s website.
Transformco was formed in February 2019 to acquire some of the assets of Sears Holdings and Kmart.
How can I check my Sears Points?
You can check the points you have on your Shop Your Way credit card by downloading the Shop Your Way app from the Google Play Store or Apple App Store or by visiting the site at this link.
Can you use Shop Your Way points at Walmart?
You can only use your Shop Your Way points on gift cards through the Shop Your Way site here or on purchases at Sears or Kmart.
The Shop Your Way Sears Credit Card has undergone significant changes since Sears started taking things slow. Being able to use your rewards for gift cards in addition to purchases at Sears or Kmart is a great way to reap the benefits of using the Shop Your Way credit card.
The 5% reward on purchases at gas stations and the 3% reward on purchases at restaurants or grocery stores are quite attractive, since most credit cards that offer cash back tend to do so at much lower rates, often 1% or 1.5%.
If you think your credit score is high enough to qualify for the Shop Your Way credit card, you can apply here.
Updated on January 13, 2022 at 9:42 p.m.
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