SuperMoney
  Sears Shop Your Way Mastercard®

Sears Shop Your Way Mastercard®

in Personal Credit Cards from Citibank

Unaffiliated

Sears Shop Your Way Mastercard®

Unaffiliated

in Personal Credit Cards from Citibank

Net Recommendation Score +100%

SUPERMONEY NET RECOMMENDATION SCORE

+100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
3 users recommend
0 users are unsure
0 users don't recommend
Cast your vote
Cast your vote

Would you recommend Sears Shop Your Way Mastercard® to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) Up to 27.24%
Balance Transfer APR  (Variable APR) Up to 27.24%
Credit Score Range 700 - 850
Annual Fee $0

Sears Shop Your Way Mastercard® Review

Sears Shop Your Way Mastercard® is a store credit card issued by Citibank. If you're wondering whether Sears Shop Your Way Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of $20 if you spend $30.
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Sears Shop Your Way Mastercard® charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
Sears Shop Your Way Mastercard® Pros & Cons
The Good The Bad
  • Earn a $20 statement credit when you spend $30 on eligible purchases in the first 30 days after you are approved for a new Shop Your Way Mastercard.
  • Get extra points at gas stations, restaurants & more with your Shop Your Way Mastercard®
  • No annual fee.
  • Can use this card anywhere that accepts Mastercard.
  • No annual fee.
  • Sears Shop Your Way Mastercard® reports to multiple credit bureaus.
  • High interest rates.
  • Requires good to excellent credit.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 5% balance transfer fee.
  • Does not include many credit card rewards.
Sears Shop Your Way Mastercard® FAQ

Is there a Sears Shop Your Way Mastercard® cash back or rewards program?

No, Sears Shop Your Way Mastercard® does not offer a rewards program.

What are the Sears Shop Your Way Mastercard® benefits?

Sears Shop Your Way Mastercard® provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Sears Shop Your Way Mastercard®?

Sears Shop Your Way Mastercard® has a variable purchase APR of up to 27.24%. The card has a variable balance transfer APR of up to 27.24%. The card has a variable cash advance APR of up to 29.15%.

Does Sears Shop Your Way Mastercard® have an introductory APR offer on balance transfers?

No, Sears Shop Your Way Mastercard® does not come with an introductory APR offer for balance transfers.

Does Sears Shop Your Way Mastercard® have an introductory APR offer on new purchases?

Sears Shop Your Way Mastercard® does not offer an introductory rate on new purchases.
Sears Shop Your Way Mastercard® Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Sears Shop Your Way Mastercard®?

The following fees apply to Sears Shop Your Way Mastercard®:

Sears Shop Your Way Mastercard® Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%

Does Sears Shop Your Way Mastercard® have a foreign transaction fee?

Sears Shop Your Way Mastercard® charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Sears Shop Your Way Mastercard® report your account activity to credit bureaus?

Sears Shop Your Way Mastercard® reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Sears Shop Your Way Mastercard®

  • Visit the Sears Shop Your Way Mastercard® website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits Fraud Liability
Bonus Rewards -Earn $20 Statement Credit When you spend $30 on eligible purchases in the first 30 days after you are approved for a new Shop You Way Mastercard®*. Excludes deferred interest and major purchase plan purchases. Valid on new accounts opened 6/17/19 –9/18/19, online applications only. See terms and conditions. - Get extra points at gas stations, restaurants & more with your Shop Your Way Mastercard®
Signup Bonus $20
Cash Advance APR (Variable APR) Up to 29.15%
Purchase APR (Variable APR) Up to 27.24%
Balance Transfer APR (Variable APR) Up to 27.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

Sears Shop Your Way Mastercard® Community Reviews

 

Would you recommend Sears Shop Your Way Mastercard® to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

+100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

sorted by

Other Personal Credit Cards

First Progress Platinum Select Mastercard® Secured Credit Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

3 Reviews

Citibank Personal Credit Cards

Loading...