Shop Your Way Mastercard®
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- 29.99% variable based on the Prime Rate
At a glance
The Shop Your Way Mastercard® is a co-branded retail card that was designed to maximize savings earned through the Shop Your Way® rewards program. It offers rewards on everyday purchases throughout the year, from eligible gas station purchases and groceries to purchases at Sears and Kmart locations, online, and at Sears brands, like Sears Home, Kmart, and more.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 5% on gas purchases
- Earn 3% on groceries and dining purchases
- Earn 2% on purchases at Sears and Kmart
- Earn 1% on purchases everywhere else
- Redeem your points with a Shop Your Way membership and access additional discounts and deals
Who this card may suit
- You're already members of the Shop Your Way program and want to increase your rewards
- You want a rewards card that doesn’t rotate categories each quarter, and spend the majority on gas, groceries and dining out
- You don’t plan to use the card at wholesale clubs or superstores regularly
- You don’t plan to use the card at wholesale clubs or superstores regularly
- You regularly shop at Sears and Kmart, either in-store or online
- You will take advantage of deals and discounts offered by Shop Your Way Redemption Partners
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 29.99% variable based on the Prime Rate |
| Balance Transfer APR | 29.99% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each transfer, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Shop Your Way Mastercard®
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