Shop Your Way Mastercard
Basic Information
Program ID: citi-shop-your-way-rewards-mastercard
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Rewards
Data Complete: Yes
Created: 01/15/2026 15:45
Last Scraped: 01/15/2026 15:46
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $2,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met.
Rewards Program
Reward Type: Shop Your Way Points
Base Reward Rate: 10.00%
Bonus Reward Rate: 50.00%
Bonus Categories: 50x points at Sears & Kmart, 30x points at Gas Stations & Restaurants
Point Value Estimate: 0.0000 cents/point
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.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 8
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent rewards for frequent Shop Your Way shoppers, good bonus categories for gas and groceries, easy point redemption within the SYW ecosystem.
Top Negative Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 30% Store / 70% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0