Shop Your Way Credit Card login, payment, customer service

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The Shop Your Way Mastercard used to be called the Sears Mastercard and was primarily meant for people who shopped at Sears and Kmart. This meant that the rewards it offered were mainly for those who shopped at these two stores.

However, by the end of 2021, both Sears and Kmart had very few stores remaining, and they were not as popular as they once were. Because of this, the Shop Your Way credit card changed its rewards program. You can now earn rewards without having to shop at Sears or Kmart. Citibank is the bank that issues the Shop Your Way Mastercard.

It’s important to note that there is another Sears credit card called the Sears Card. However, you can only use this card at Sears and Kmart stores, Land’s End, and the websites of these retailers. Unless you live in an area with Sears or Kmart stores or regularly shop on their websites, the Sears Card won’t be useful for you.

The Shop Your Way Mastercard is a rewards credit card that lets you earn points on your purchases. When you first get the card, you can get a $40 statement credit if you spend $50 on eligible purchases in the first 30 days.

You earn the most points when you use the card at gas stations. You’ll get 5% back in points on the first $10,000 you spend on gas during the year. For example, if you spend $500 on gas, you’ll earn 25,000 points, which is worth $25 in cash.

You also earn 3% in points when you use the card at restaurants and grocery stores. So, if you spend $500 at these places, you’ll earn 15,000 points, worth $15. If you shop at Sears or Kmart, you’ll get 2% in points, and all other purchases earn 1% in points. For instance, $500 in combined purchases at other stores gives you 5,000 points or $5.

You can redeem the points for gift cards from various brands to save money. Some points can be used to pay your credit card bill. But, be aware that the points can expire if you don’t use them within a year from when you earned them.

You can check your points balance through the Shop Your Way app or website. There’s no annual fee, but the card has other fees like a high APR for purchases and cash advances, cash advance and balance transfer fees, and a foreign transaction fee.

To apply for the card, you’ll need your Social Security Number and basic personal information. It’s best to have a credit score between 670 and 850, but you might still qualify with a lower score.

Since it’s a Mastercard from Citibank, you can use it wherever Mastercard is accepted.

As a Shop Your Way credit card holder, you can easily manage your account online and reach customer service for support. Here’s the key information you need:

Shop Your Way login payment

To make credit card payments on your Shop Your Way Mastercard, the simplest method is to use the online services provided by the financial institution.

You can access your Shop Your Way credit card account online by logging in through the Citibank website, which you can find here. If you haven’t already registered your Shop Your Way Mastercard account for online access, you can do so using the same link.

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Shop Your Way Credit Card customer service

If you need assistance or want to make a payment by phone, the customer service phone number for the Shop Your Way credit card is 877-816-9063.

Customer service hour for the Shop Your Way Mastercard is open for phone assistance every day of the week from 7:30 a.m. to 10 p.m. Central Time, except on specific holidays. This means you can call and get help with your credit card inquiries during these hours, but it may not be available on certain holidays.

When you call, make sure you have your credit card nearby so that you can provide your account number to the customer service representative. This will help them assist you with your credit card-related inquiries more efficiently.

Shop Your Way Credit Card payment address

You can contact Shop Your Way and make credit card payments at the following addresses:

General Inquiries:

For general inquiries about the Shop Your Way credit card, use this mailing address:
PO Box 6282
Sioux Falls, SD 57117

Credit Card Payments:

To make credit card payments on your Shop Your Way Mastercard, you can use either of these two mailing addresses. Make sure to include your account number for proper processing:

  1. Shop Your Way Credit Card Payments:
    PO Box 78024
    Phoenix, AZ 85062
  2. Shop Your Way Credit Card Payments:
    PO Box 70610
    Philadelphia, PA 19176

Overnight Delivery or Express Payments:

If you need to send payments via overnight delivery or express, use the following address, and ensure it’s addressed to the Consumer Payment Department:

Overnight Delivery/Express Payments
Attn: Consumer Payment Dept.
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213

Including your account number with your payments helps them allocate the payment correctly.

Where can I check my Shop Your Way Credit Card balance?

You can check your Shop Your Way Credit Card balance in several ways:

  • Online: Log in to your online account, and you’ll be able to see your balance there.
  • Over the Phone: If you prefer speaking to a representative, you can call customer service at (877) 816-9063, and they will provide you with your current balance.
  • By Text Message: You can set up account alerts in your online account. Once set up, you will receive a text message on your phone with your balance information after you make a purchase with your card.

It’s a good practice to monitor your credit card balance regularly. If you notice any discrepancies or your balance appears higher than expected, take action to investigate and resolve any issues.

The bottom line

To log in to your Shop Your Way Mastercard account, you can visit here. You can also pay your bill by logging into your account and visiting the same link. If you haven’t registered your Shop Your Way Mastercard account online, you can do so at the same link.

If you prefer to pay your bill by mail, you can use the following mailing addresses:

  • Shop Your Way Credit Card Payments P.O. Box 78024 Phoenix, AZ 85062-8024
  • PO Box 70610 Philadelphia, PA 19176-0610

If you need technical assistance or have any questions, you can contact Citibank by phone at the following numbers:

  • General Assistance: 1-877-816-9063 (24/7 availability)
  • Technical Assistance: 1-877-254-8073
  • TTY for the Hearing Impaired: 1-877-816-8691
  • Outside the U.S., Canada and Puerto Rico, Call Collect: 502-522-1600

For more information about Shop Your Way Mastercard, please visit their website.