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Shop Your Way Mastercard®

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Shop Your Way Mastercard®
3.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

33.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% in points on eligible purchases at gas stations. Earn 3% in points on eligible purchases at grocery stores and restaurants. Earn 5% and 3% in points on the first $10,000 of combined gas, grocery and restaurant purchases per calendar year. Earn 2% in points on eligible purchases at Shop Your Way merchants. Earn 1% in points on all other eligible purchases.

1x - 5x Points

Welcome Offer Earn up to $225 in statement credits: Earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases in the first 90 days after you are approved for a new Shop Your Way Mastercard®. Valid for new accounts opened 10/1/24 - 3/31/25.

Up to $225

  • Earn up to $225 in statement credits: Earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases in the first 90 days after you are approved for a new Shop Your Way Mastercard®. Valid for new accounts opened 10/1/24 - 3/31/25.
  • 5x Points: Earn 5% in points on eligible purchases at gas stations.
  • 3x Points: Earn 3% in points on eligible purchases at grocery stores and restaurants.
  • Limit on 5x and 3x Points: Earn 5% and 3% in points on the first $10,000 of combined gas, grocery and restaurant purchases per calendar year.
  • 2x Points: Earn 2% in points on eligible purchases at Shop Your Way merchants.
  • 1x Point: Earn 1% in points on all other eligible purchases.
  • Annual Fee: None.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
  • Redeem Rewards: Use points for gift cards, selected services and items sold by Shop Your Way merchants in stores or online.
  • Price Protection: refunds the difference if you find a lower price on a purchased.
  • Extended Warranty: Extends the manufacturer’s U.S. warranty by up to an additional year on eligible purchases.
  • Shop Your Way Program: You will automatically become a member of Shop Your Way program.
  • Other Benefits: Includes $0 liability on unauthorized charges, contactless payments, and identity theft protection.
  • Regular APR: 33.49% Variable APR.
  • Balance Transfer Fees: $10 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Citi Shop Your Way Mastercard is designed to earn rewards for everyday purchases and provide benefits for shopping at various retailers. It offers a welcome bonus and bonus rewards on gas, grocery, restaurants, and purchases at Shop Your Way merchants. Additionally, the card includes price protection and extended warranty benefits. It is ideal for those who frequently shop at Shop Your Way partners and want to maximize rewards across a range of spending categories while enjoying valuable purchase protections.