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Shop Your Way Mastercard review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
30.49% (Variable)
Interest Rate: Purchases
30.49% (Variable)
Balance Transfer
30.49% (Variable)
Balance Transfer
30.49% (Variable)
10 - 50 points
10 - 50 points
Signup Bonus
Signup Bonus

Informr score
The Shop Your Way Mastercard currently has an Informr score of 4.9 out of 10. This score is based on our evaluation of 4 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Shop Your Way Mastercard is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The no-annual-fee Shop Your Way Mastercard®’s* rewards rates and redemption options make it a solid choice for consumers who spend a lot at gas stations, restaurants and grocery stores. However, its highest rewards are limited to the first $10,000 you spend in combined purchases per calendar year be...

- Holly Johnson, Cnet

The Sears Credit Card is a decent card for Sears customers with at least good credit. It offers 10 - 50 points per $1 spent, gives a pretty good initial bonus, has a $0 annual fee, and works anywhere Mastercard is accepted.

- John S Kiernan, WalletHub

The Shop Your Way Mastercard could be a good choice for someone who is loyal to Kmart and Sears and wants to earn rewards they can use toward future purchases at those stores. This card is also attractive if you spend regularly on gas, dining, and groceries and want to earn a competitive rewards rat...

- Rebecca Lake, Investopedia

The Sears Shop your Way MasterCard offers an exceptionally high 5-percent rewards rate on your gas purchases, making it one of the most rewarding gas cards — if you don’t mind spending your rewards at Sears or Kmart.

- Robin Ratcliff,


Interest Rates
Regular APR Interest Rate 30.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 30.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $10

Cash Advance Fee 5%

Minimum of $5

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus

Earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases in the first 90 days

All Purchases 10 points per $1 spent
Restaurants 30 points per $1 spent (on first $10000 spent)
Gas 50 points per $1 spent (on first $10000 spent)
Groceries 30 points per $1 spent (on first $10000 spent)
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Earn 20 points per $1 spent at Sears & Kmart

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits
  • Special financing at Sears and Sears website on select products, from home appliances and electronics to fitness equipment, tools and automotive items.
  • Exclusive Savings
Minimum Security Deposit $0
Minimum Age
Minimum Personal Income
Temporary Residents No
Additional comments -
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