Shop Your Way Mastercard

Citibank Mastercard Rewards Pending

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Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: citi-shop-your-way-rewards-mastercard

Issuer: Citibank

Card Name: Shop Your Way Mastercard

Card Type: Credit

Network: Mastercard

Card Tier: Rewards

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:45

Last Scraped: Jan 15, 2026 15:46

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Shop Your Way Points

Base Rate: 10x

Bonus Rate: 50x

Categories: 50x points at Sears & Kmart, 30x points at Gas Stations & Restaurants

Quarterly Rotating: No

Cap Amount: $10,000.00

Expiration Policy: Points typically expire 1 year from the date they are earned if not redeemed, or if the Shop Your Way account is inactive. Note: The Citi Shop Your Way Rewards Mastercard was largely discontinued for new applicants prior to 2026, and these details reflect the last known program terms. Actual 2026 details for this specific card are highly speculative or non-existent.

Point Value: 0¢

Travel Portal Multiplier: 0x

Transfer Partners: None

Redemption Penalties: Redemption is primarily limited to merchandise and select gift cards within the Shop Your Way ecosystem.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

20,000

Points/Miles

Requirement: Spend $2,000 in 90 days

Timing: Typically within 8-12 weeks after requirement is met.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Promo Financing: Deferred Interest

Promo Duration: 0 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full by the end of the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Bonus eligibility for the Citi Shop Your Way Rewards Mastercard requires that the applicant has not received a bonus for this specific card (or a card within its direct product family) in the past 24 months. General Citibank application rules are expected to remain in effect for 2026, typically limiting new credit card applications to no more than 2 in an 8-day period and no more than 1 in a 65-day period. Applicants must be 18 years or older, a U.S. resident, and meet Citibank's creditworthiness criteria.

Max Cards Per Issuer: 8

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citi accounts, repeated bonus churning (opening and closing accounts solely for bonuses), suspicious spending patterns inconsistent with typical consumer behavior, abuse of return policies, failure to pay on time, excessive credit line increases without corresponding income, or significant changes in credit profile.

Cliff Effect Rules: The primary 'cliff effect' rule for this card is the 24-month bonus eligibility rule. An applicant is ineligible for a new bonus on the Citi Shop Your Way Rewards Mastercard if they have received a bonus for this specific card or a card within its direct product family within the last 24 months. This rule applies regardless of whether the previous card account is still open or has been closed.

Special Events: As a co-branded card with Shop Your Way, expect special events to include enhanced bonus point offers on specific spending categories (e.g., gas, groceries, dining), exclusive discounts or bonus points at Shop Your Way partner merchants, and seasonal promotions tied to the Shop Your Way loyalty program. These events often align with major retail seasons or specific product launches within the Shop Your Way ecosystem.

Holiday Promos: Key holiday promo periods are anticipated to include Black Friday, Cyber Monday, the entire Christmas/New Year shopping season, and potentially other retail-focused holidays such as Valentine's Day, Mother's Day, Father's Day, and Back-to-School season. During these times, cardholders may see increased earning rates, special redemption offers, or exclusive partner deals.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent rewards for frequent Shop Your Way shoppers, good bonus categories for gas and groceries, easy point redemption within the SYW ecosystem.

Top Negative:
Points can be difficult to redeem outside of Shop Your Way, value of points can vary, high APR if not paid in full.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature
  • Target RedCard
  • Citi Double Cash Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $550.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0