FAQs
How do I earn 5%, 3%, 2% and 1% back in Shop Your Way points?
You will earn 5% back in points on eligible purchases at gas stations, 3% on eligible purchases at grocery stores or restaurants, (5% and 3% back on the first $10,000 of combined eligible purchases made on gas, groceries and restaurants and 1% thereafter); 2% on eligible purchases at Sears and Kmart (including online) and 1% back on all other eligible purchases for 12 months from the date your Sears Mastercard is opened when you are a Shop Your Way member with a Sears Mastercard that is linked to the Shop Your Way account.
How long does this 5-3-2-1 promotion last?
For 12 months from the date your Sears Mastercard is opened when you are a Shop Your Way member with a Sears Mastercard that is linked to the Shop Your Way account.
I am not currently a Sears Mastercard cardmember. How do I get into the 5-3-2-1 program?
Apply Now for a Sears Mastercard® with Shop Your Way. Once you are approved for your card, use it for everyday purchases everywhere to earn points during the promotional period.
How long are the points good for?
The points are valid for twelve months from the date they are awarded.
Are there any restrictions/differences if I shop at shopyourway.com, sears.com or kmart.com vs. shopping at a Sears or Kmart store?
A Shop Your Way Member will earn 2% back in points on items sold by Sears and Kmart in store as well as on-line at www.shopyourway.com, Sears.com and Kmart.com. Otherwise, you will earn 1% on those purchases. Take full advantage of the online offerings outside of Sears and Kmart by visiting shopyourway.com/partners and discover hundreds of participating partners online.
How soon would I be able to redeem my points?
Points will be available to redeem within approximately one week after the eligible purchase is made but maybe available as early as the next day. Members can check their points balance by going to shopyourway.com or by downloading the Shop Your Way app which is available in the Apple App Store and Google Play Store.
Where can I go learn more about Shop Your Way points, offers and services?
Frequently asked Shop Your Way questions can be found at shopyourway.com/help.

Terms and Condition

As of 4/23/2018, the APR for purchases and balance transfers is 26.74% and the APR for cash advances is 28.65%. These APRs will vary with the market based on the Prime Rate. The Minimum Interest Charge is $2. The cash advance fee is 5% of each transaction; minimum $5. The balance transfer fee is 5% of each transaction, minimum $10. The transaction fee for foreign purchases is 3% of each purchase transaction in U.S. dollars. See card agreement for details.

$20 Statement Credit Offer with Sears Mastercard: This offer does not apply to deferred interest or major purchase plan purchases. This promotion is only available to the applicant for use with the Sears Mastercard, is not transferrable and is subject to credit approval. You have the opportunity to receive a $20 statement credit when eligible purchases totaling $30 or more are made with a new Sears Mastercard in the first 30 days of account opening. Limit one $20 statement credit per account. The following types of transactions do not qualify as eligible purchases: deferred interest transactions or major purchase plan purchases, use of checks that access your Sears Card account, balance transfers, cash advances, travelers checks, foreign currency purchases, money orders, wire transfers and similar cash-like transactions, lottery tickets, gaming chips and similar betting transactions; interest and account fees; unauthorized charges; and items returned for credit. The Sears Mastercard account must be current and open at the time we determine whether you qualify for the statement credit in order to receive the statement credit. Please allow 4-8 weeks after the end of the promotional period (7/12/2018) for the statement credit to be added to your account. Limit one new account offer per account. Valid for online applications only.

To make a purchase today at a Sears or Kmart store, bring a photo ID and have an associate complete an account number look-up.

Offers are subject to change without notice. Restrictions apply.

Shop Your Way®, Card Link Enrollment and Additional Category Earn Information

The Shop Your Way program is free and without obligation. You will be enrolled. If a Shop Your Way member number is provided at the time your Mastercard is approved and opened, it will be linked to your Shop Your Way member number. If no Shop Your Way member number is provided at that time, you will be automatically enrolled in Shop Your Way, assigned a Shop Your Way member number and linked to your Mastercard account. You will earn points on qualifying purchases by providing a Sears or Kmart associate at check out with the phone number you used when you accepted your Sears Mastercard. In addition, the Shop Your Way Card Link program lets you earn Shop You Way points when you use your Sears Mastercard on qualifying purchases at participating merchants outside of Sears and Kmart.

To find out find out your Shop Your Way number, or to exit the program at any time, call: (800) 991-8708.

When you are approved for the Sears Mastercard and accept the Sears Mastercard terms and conditions, you acknowledge and agree that you will be automatically enrolled at no additional cost in: (1) Sears’ Shop Your Way program (if you are not already a member), which allows you to earn Shop Your Way points on qualifying purchases and redeem those points on eligible merchandise and (2) the Shop Your Way Card Link program, which provides you with additional Shop Your Way points when you use your Sears Mastercard card at participating merchants. For a list of participating merchants, please see www.shopyourway.com/partners. You acknowledge and agree that participation in the Shop Your Way Program is subject to the terms and conditions available for review at www.shopyourway.com/terms and participation in the Shop Your Way Card Link Program is subject to the terms and conditions available for review at www.shopyourway.com/help/policies/card-link-program-terms-and-conditions. Please read the terms and conditions carefully.

You expressly acknowledge and agree that Citibank and your payment network may use and share experiential and transactional information regarding your Sears card activity with Sears and third parties working on its behalf as necessary to facilitate the Card Link Program, including to identify qualifying transactions and to provide you with your reward. You also acknowledge and agree that Sears and third parties working on its behalf may share your membership information with Citibank and your payment network provider as necessary to facilitate the Card Link Program. The Shop Your Way program is offered by Sears Holdings Management Corporation. Citibank is not responsible for products or services offered by other companies. Details of the Shop Your Way and Card Link programs are available at the websites noted above or by calling Shop Your Way at (800) 991-8708. To discontinue participation in either or both of these programs at any time, call Shop Your Way at (800) 991-8708.

In addition, subject to the terms and conditions of the Shop Your Way Program, you will earn 1% in points on purchases made with the Sears Mastercard card for purchases that are not classified as either qualifying purchases or non-qualifying purchases under the Shop Your Way program and that are made outside of Program Stores (“base points”). However, no points are awarded for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchase/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit life insurance premiums, AccountCare fees, interest charges and credit card fees. To discontinue participation in this program at any time, call (800) 991-8708.

Shop Your Way® Additional Category Earn Promotion

This promotion is not transferable; is subject to credit approval and the Shop Your Way terms and conditions located at www.shopyourway.com/terms. Your Shop Your Way account must be linked to your Sears Mastercard as described above in order to participate in this promotion. You have the opportunity to receive Shop Your Way points for eligible purchases which are made and post to your Sears Mastercard account for 12 months from date of account opening. These extra points are inclusive of any base points earned. When extra point offers are combined, total points earned will be less than the combined point totals for each individual offer. Base points mean the 1% back in points described above which you will receive on purchases that are made outside of Sears, Kmart or other Program Stores or are described below as “certain non-eligible purchases”. Sears base points mean those points awarded as part the standard Shop Your Way program.

You may only earn 5% back on eligible gas station purchases and 3% back in points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 during the promotional period and then 1% thereafter.

5% back in points on eligible gas station purchases, for the first $10,000 (which includes the eligible restaurant and grocery store purchases) during the promotional period and then 1% thereafter. (5% back in points equals 4% in extra points and 1% in base points.) Certain Non-Eligible Purchases. You will only earn 1% back in base points, not 5%, for gas purchased at superstores, supermarkets, convenience stores and warehouse clubs or for fuel used for non-automobile purposes.

3% back in points on eligible restaurant (including cafes, bars, lounges and fast food restaurants) and eligible grocery store purchases for the first $10,000 (which includes the eligible gas station purchases) during the promotional period and then 1% in base points thereafter. (3% back in points equals 2% in extra points and 1% in base points.) Certain Non-Eligible Purchases. You will only earn 1% in base points, not 3%, for restaurant purchases made at bakeries and certain restaurants/cafes inside department stores, grocery or warehouse clubs. You will only earn 1% in base points, not 3%, for grocery purchases made at superstores, convenience stores, gas stations, warehouse clubs, and discount stores.

2% back in points on purchases at Sears (Full Line Stores Sears Grand, Sears Dealer Stores (Sears Hometown Stores, Sears Home Appliance Showrooms, and Sears Hardware), Kmart, mygofer and for Lands’ End merchandise within Sears stores that are “qualifying purchases” under the Shop Your Way program during the promotional period and then 1% in Sears base points thereafter. (2% back in points equals 1% in extra points and 1% in Sears base points.)

1% back in base points on purchases that are made outside of Sears, Kmart or other Program Stores or are described above as “certain non-eligible purchases”.

No points are awarded for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare fees, interest charges and credit card fees.

Points will post to your Shop Your Way account within approximately one week after the eligible purchase is made. Merchants must submit charges under the appropriate merchant code or industry code for you to receive the additional Shop Your Way Points. We do not determine whether merchants appropriately identify all transactions you make on your account but we do reserve the right to determine which purchases qualify for points. By accepting Shop Your Way member benefits and offers, you agree to the Shop Your Way terms and conditions, available at www.shopyourway.com/terms. The Shop Your Way program is offered by Sears Holdings Management Corporation. Citibank is not responsible for products or services offered by other companies.