Terms and Conditions
As of 11/05/2019, the APR for purchases (and for the Shop Your Way Mastercard®, the APR for 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. For the Shop Your Way Mastercard, the balance transfer fee is 5% of each transaction, minimum $10, and the transaction fee for foreign purchases is 3% of each purchase transaction in U.S. dollars. See credit card agreement for details.
$40 Statement Credit Offer: This promotion is only available to the applicant for use with the Shop Your Way Mastercard, is not transferable and is subject to credit approval. You have the opportunity to receive a $40 statement credit when eligible purchases totaling $50 or more are made and post to your account within 30 days of account opening. Limit one $40 credit per account. The following types of transactions don’t qualify as eligible purchases: use of checks that access your Shop Your Way 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 Shop Your Way 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 for the statement credit to be applied 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. If you provide your Shop Your Way member number at the time your Shop Your Way Mastercard is approved and opened, the account 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 Shop Your Way Mastercard account. You will earn Shop Your Way points on qualifying purchases at check out in-store or online by: creating an account at Sears.com or Kmart.com with your Shop Your Way member number, providing a Sears or Kmart associate with the phone number you used when you accepted your Shop Your Way Mastercard, when using your Shop Your Way Mastercard outside of Sears and Kmart as part of the Shop Your Way Additional Category Earn Program, and through the Shop Your Way Card Link Program at participating merchants outside of Sears and Kmart.
To retrieve your Shop Your Way member number, learn more details about the Shop Your Way and Card Link Programs, or to discontinue participation in the Shop Your Way Programs at any time, call Shop Your Way at: (800) 991-8708 or visit the websites listed below.
When you are approved for the Shop Your Way Mastercard and accept the Shop Your Way 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, (2) the Shop Your Way Additional Category Earn Program (3) and the Shop Your Way Card Link Program, which provides you with additional Shop Your Way points when you use your Shop Your Way 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/cardlinkterms. 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.
Shop Your Way® Additional Category Earn Program
The Shop Your Way Additional Category Earn Program is not transferable and is subject to credit approval. The Shop Your Way Additional Category Earn Program is subject to the Shop Your Way terms and conditions located at www.shopyourway.com/terms. Your Shop Your Way member number must be linked to your Shop Your Way Mastercard® in order to participate in the Shop Your Way Additional Category Earn Program.
You have the opportunity to earn Shop Your Way points when you use your Shop Your Way Mastercard for eligible purchases. These extra points are inclusive of any base points or Sears 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 below. Sears base points mean those points awarded as part of 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 per calendar year and then 1% thereafter. The limit on points that may be earned on eligible gas station, restaurant and grocery store purchases will be reset each December 31st, and eligible purchases made in such categories after that date will again be eligible to earn additional points until the limit is again reached.
5% back in points on eligible gas station purchases, for the first $10,000 (which includes the eligible restaurant and grocery store purchases) per calendar year 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) per calendar year 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, and for grocery purchases made at superstores, convenience stores, gas stations, warehouse clubs, and discount stores.
2% back in points on purchases that are “Qualifying Purchases” under the Shop Your Way Program at Sears (Full Line Stores, Sears Grand), Sears Dealer Stores (Sears Hometown Stores, Sears Outlet Stores, Sears Home Appliance Showrooms, and Sears Hardware), Kmart®, mygofer and Land’s End merchandise within Sears stores. (2% back in points equals 1% in extra points and 1% in Sears base points.)
1% back in points on 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 or are described above as “Certain Non-eligible Purchases” (“base points”).
No points are awarded or can be redeemed 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. Except as otherwise determined by Transform SR Holding Management LLC in its sole discretion, Members may redeem points on all Program-Eligible Purchases except for purchases from Sears Home Services, purchases of prescriptions, and purchases from Shop Your Way Merchants and other parties designated by Transform SR Holding Management LLC from time to time.
Points will post to your Shop Your Way account within approximately one week after the eligible purchase is made. Points can be redeemed at checkout in-store or online. Exclusions apply. For Point redemption and expiration terms, visit shopyourway.com/terms. 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 Transform SR Holding Management LLC. Citibank is not responsible for products or services offered by other companies. To discontinue participation in the Shop Your Way Programs at any time, call Shop Your Way at: (800) 991-8708.
Mastercard® is a registered trademark, and the circles design is a trademark design of Mastercard International Incorporated. Shop Your Way, Inc. is an indirectly wholly owned subsidiary of Transform SR Holding Management LLC. Shop Your Way and related logos, are used with permission of Transform SR Brands LLC. The Shop Your Way Mastercard is issued by Citibank, N.A., pursuant to the license by Mastercard International. Citi and Arc Design is a registered service mark of Citigroup Inc.