If you are searching for the Sears or Shop Your Way credit card in 2026, the card you remember no longer exists in the same form. The old Citi Shop Your Way Mastercard was discontinued on November 3, 2025, and a brand-new card took its place under a different bank. This review covers exactly what the Shop Your Way card is now, who issues it, what happened to existing Citi cardholders, and what it costs.
Firstcard's goal is simple: help you choose the right card with confidence. So we cover the current Shop Your Way card in detail first, then point to a couple of lower-cost credit-builder options if your real goal is building or rebuilding your score.
Key Facts at a Glance
| Card name | Shop Your Way 5321 Visa Credit Card |
| Issuer | First Bank & Trust, Brookings, SD |
| Network | Visa (works anywhere Visa is accepted) |
| Annual fee | $0 |
| Purchase APR | 20.24% to 35.24% variable, by creditworthiness |
| Rewards | 5% gas/EV/transit, 3% grocery/dining/travel, 2% Shop Your Way merchants, 1% else |
| Foreign transaction fee | 3% |
| Availability | Invite-only as of June 2026 (offer code or waitlist) |
| Reports to | The credit bureaus, on a regular basis (issuer does not list which by name) |
All figures as of June 2026. Terms and conditions apply.
What Happened to the Sears Shop Your Way Card?
For years, the Sears Shop Your Way card was issued by Citibank. That version was discontinued on November 3, 2025. If you held the old Citi Shop Your Way Mastercard, Citi automatically converted your account to a standard Citi Mastercard.
That conversion matters. The converted Citi card carries Citi's own generic rewards, and it no longer earns Shop Your Way points. Your old Shop Your Way points stay safe in your Shop Your Way account and follow the usual expiration schedule, so log in at shopyourway.com to redeem them before they lapse.
Here is the part that confuses many readers: existing Citi cardholders were not moved to the new card. If you want the current Shop Your Way card, you have to apply for it separately. Nothing transfers over automatically.
Who Issues the Shop Your Way Card Now?
The current card is the Shop Your Way 5321 Visa Credit Card, and it is issued by First Bank & Trust of Brookings, South Dakota, under a license from Visa. Applications opened in mid-November 2025. The account is serviced through a platform branded "Finance Your Way," which is why the application site may look unfamiliar.
First Bank & Trust is a real, FDIC-insured bank, just a much smaller regional issuer than Citi. The card runs on the Visa network, so it works anywhere Visa is accepted, not only at Sears and Kmart.
As of June 2026, the card is invite-only. Shop Your Way members who receive an offer code can apply, and others may be able to join a waitlist. If you are still building credit and want a card you can apply for today, an option with open eligibility may fit you better. The Aspire Cash Back Rewards Mastercard is an unsecured card with no security deposit, prequalification up to a $1,000 limit, up to 3% cash back, and reports to all three bureaus.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Shop Your Way Card Rewards
The new card keeps the "5-3-2-1" theme but changes the categories. As of June 2026, the issuer lists these rewards in Shop Your Way points:
- 5% back on gas, EV charging, and everyday transportation (public transit, taxis, rideshare, tolls, parking, and car washes)
- 3% back on groceries, dining, and travel (airfare, hotels, car rentals, cruises, timeshares, and travel agencies)
- 2% back across the Shop Your Way merchant network, including Sears, Kmart, Kenmore, and Sears Home Services
- 1% back on everything else, anywhere Visa is accepted
The 5% transportation category is broader than the old card's gas-only tier, which can help city commuters who use rideshare and pay tolls or parking. Points are most useful inside the Shop Your Way ecosystem, and they can be redeemed for things like statement value or gift cards through your Shop Your Way account.
One honest caveat for long-time fans: the old Citi card was famous for targeted spending offers that pushed effective cash back into the double digits. First Bank & Trust has not said whether those rich targeted bonuses will continue. As of June 2026, do not count on them.
Shop Your Way Card Fees and APR
There is no annual fee, which keeps the cost of holding the card low. The variable purchase APR runs from 20.24% to 35.24%, and the exact rate you get depends on your creditworthiness. The top of that range is steep, so this card only makes sense if you pay the balance in full each month.
The card also charges a 3% foreign transaction fee, which makes it a weak choice for travel abroad despite the 3% travel rewards category; if you spend overseas, see our guide to the best practices for using a credit card on international transactions. Other fee details, such as late fees and cash advance terms, are set out in the cardmember agreement First Bank & Trust provides at application, so read that document before you apply. For a plain-English rundown of the common charges on a credit card and how to avoid them, see our full breakdown.
If your main goal is keeping interest costs down while you build history, a paycheck-powered card can be a lower-risk path. Perpay is powered by your paycheck — no security deposit, shop and pay over time while it reports to all three bureaus, members see an average 32-point increase.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
Does the Shop Your Way Card Report to Credit Bureaus?
Yes. The issuer's own FAQ states that if you are approved, your account performance is reported to the credit bureaus on a regular basis, so on-time payments matter. First Bank & Trust does not publicly spell out which of the three bureaus it reports to by name, so if reporting to all three is critical for you, confirm it in writing before you apply rather than assuming.
Applying triggers a credit inquiry as part of the decision. Cardholders have informally reported approvals with credit scores often in the high 600s to around 728, though the issuer does not publish a fixed approval range, and approval is never guaranteed.
Who Should Consider the Shop Your Way Card?
This card can fit a Shop Your Way member who receives an invite, pays in full every month, and spends heavily on gas, transit, dining, and travel. The broad 5% transportation tier is the standout feature, and the lack of an annual fee means the rewards are not eaten up by a yearly cost.
It is a weaker fit if groceries dominated your old rewards math at a higher rate, if you need a card you can apply for without an invite, or if you carry a balance, since the APR can climb above 35%. If your real goal is to build a credit history you can be proud of, a no-deposit starter card is usually the smarter move. The Arro Card is an unsecured starter card with no deposit and no hard credit check; start with a limit up to $300 that grows toward $2,500 via in-app tasks, reports to all three bureaus.
Arro Card
Arro Card
No deposit. No hard credit check. Start with up to $300 and grow your credit line to $2,500 by completing in-app tasks. Earn 1% cash back on gas and groceries — including Walmart and Target.
Standout feature
Unsecured — no deposit required
Fees
up to $60/ year
Pros
1% cash back on gas & groceries
Cons
Starting credit limit: $50–$300
Is the Shop Your Way Card Worth It?
For an invited Shop Your Way member who pays in full and spends on gas, transit, dining, and travel, the current Shop Your Way 5321 Visa can earn solid points with no annual fee. For everyone else, the high end of the APR range, the invite-only access, and the uncertainty around the old targeted bonuses make it a harder sell than the Citi version many people remember.
If you are still building credit, start with a card designed for that job. The right tool keeps costs low, reports your on-time payments, and helps your score grow before you chase a rewards card. Terms and conditions apply, and APRs vary by creditworthiness.
Frequently Asked Questions
Who issues the Shop Your Way card now?
As of June 2026, the Shop Your Way 5321 Visa Credit Card is issued by First Bank & Trust of Brookings, South Dakota, under a Visa license. The old Citi Shop Your Way Mastercard was discontinued on November 3, 2025. The two cards are separate products from different banks.
What happened to my old Citi Shop Your Way Mastercard?
Citi automatically converted it to a standard Citi Mastercard on November 3, 2025. That converted card no longer earns Shop Your Way points. Your previously earned Shop Your Way points stay in your Shop Your Way account and follow the normal expiration schedule, so redeem them at shopyourway.com.
Do I automatically get the new Shop Your Way 5321 Visa?
No. Existing Citi cardholders were not transferred to the new card. You must apply separately through First Bank & Trust, and as of June 2026 the card is invite-only, meaning you generally need an offer code or a spot on the waitlist.
What is a good alternative if I am building credit?
Unsecured starter cards like the Aspire Cash Back Rewards Mastercard, Perpay, and the Arro Card are designed to report on-time payments and keep costs low. They often have more open eligibility than an invite-only rewards card, which can make them a better fit if you are still building your score. Approval is never guaranteed and terms apply.
