If you have searched for the Shop Your Way credit card recently and felt confused, you are not alone. The card you may remember from Sears and Kmart has changed hands, and the version most people knew was discontinued. Knowing what exists today, and what does not, saves you from applying for a card that no longer takes new members.
This guide lays out the current Shop Your Way credit card situation as of June 2026: what happened to the old Citi card, the new issuer and terms, and whether it is worth pursuing. We also cover open-loop alternatives if you want a card you can use everywhere.
What Happened to the Old Citi Shop Your Way Card
For years, the Shop Your Way Mastercard was issued by Citi and tied to the Shop Your Way rewards program. That card was discontinued on November 3, 2025. Citi automatically converted existing Shop Your Way Mastercard accounts to a standard Citi Mastercard.
For reference, the old Citi version had no annual fee, a variable purchase APR around 27.49%, a 5% balance transfer fee, and a foreign transaction fee of up to 3%. It was known for high-value targeted spending offers through the Shop Your Way program. If you still hold it, your account is now a regular Citi Mastercard, not a Shop Your Way card.
Key Facts at a Glance
| Feature | Details (as of June 2026) |
|---|---|
| Old Citi card status | Discontinued Nov 3, 2025; converted to standard Citi Mastercard |
| New card issuer | First Bank & Trust of Brookings, South Dakota |
| Network | Visa (open-loop) on the new Shop Your Way 5321 card |
| Annual fee | $0 |
| Purchase APR (new card) | 20.24% to 35.24% variable |
| Rewards program | Shop Your Way points |
The New Shop Your Way Card in 2026
The Shop Your Way brand did not disappear with the Citi card. As of June 2026, the new Shop Your Way card, sometimes referenced as the 5321 card, is issued by First Bank & Trust of Brookings, South Dakota, under a Visa license.
The new card has no annual fee. Its variable purchase APR runs from 20.24% to 35.24%, and the exact rate depends on your creditworthiness. The wide APR range means people with weaker credit can land near the top, so this card gets expensive fast if you carry a balance.
Because it runs on Visa, it is an open-loop card you can use anywhere Visa is accepted, not just at the retailers in the Shop Your Way network. Rewards are delivered through the Shop Your Way points program. If your credit is still rebuilding, you may have an easier time with one of the easiest store credit cards to get with bad credit.
How the Shop Your Way Rewards Program Works
The value of any Shop Your Way card comes from the Shop Your Way loyalty program rather than a simple flat cash-back rate. Members earn points and receive targeted, personalized offers that can boost earnings on specific purchases or categories.
That structure rewards engaged shoppers who check their offers regularly and time purchases around bonus promotions. It is less rewarding for someone who wants a predictable, set-it-and-forget-it cash-back percentage. If you would not log in to check for offers, one of the best personal credit cards for rewards with a flat rate likely serves you better.
APR and Fees: Read Before You Apply
The new card's purchase APR of 20.24% to 35.24% variable is the number to watch as of June 2026. At the high end, this is among the steeper rates in the market, so this card is only sensible if you pay in full each month.
There is no annual fee, which softens the cost of holding the card. Still, the rewards from a points-and-offers program rarely outweigh interest charges, so carrying a balance defeats the purpose. If you need to carry a balance, a 0% APR card is far cheaper. Treat any rewards card as a pay-in-full product.
Who the Shop Your Way Card Fits
This card fits frequent shoppers at Shop Your Way retailers who actively use their personalized offers and pay their balance in full each month. For that engaged user, the targeted promotions can deliver real value.
It fits poorly if you want simple, predictable rewards, if you tend to carry a balance, or if you would not bother checking for offers. The high top-end APR and the offer-dependent rewards make it a niche card rather than a daily driver for most people. Shoppers with mid-tier scores may prefer one of the better store cards for fair credit instead.
Open-Loop Alternatives Worth Comparing
If you want straightforward rewards on a card that works everywhere, an unsecured cash-back card is often the cleaner choice. The Aspire Cash Back Rewards Mastercard earns cash back on everyday purchases and works anywhere Mastercard is accepted, without the need to chase personalized offers. For more picks, see the best cash back credit cards for bad credit.
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.
If you prefer to finance larger purchases with fixed, automatic payments, Perpay uses a pay-over-time model through payroll deductions and offers the Perpay Credit Card to members who build a payment history. It can be a good fit for shoppers who want predictable installments rather than a revolving balance at a 35% APR.
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
For a no-deposit card with cash-back rewards and broad acceptance, the Super.com Credit Card is another open-loop alternative to weigh against a retailer-linked rewards card.
Super.com Credit Card
Super.com Credit Card
The Super.com Credit Card is a Mastercard issued through Super+ ($15/mo). It reports to the major credit bureaus to help members build credit history, with no hard credit pull at signup. The card pairs best with Super.com's travel features. The 10% SuperCash back on hotels makes the membership easiest to recoup.
Fee
$15/mo Super+ membership
APR
0% (secured/prepaid hybrid, balance cannot be carried)
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% on all, 5% on SuperShop partners, 10% on SuperTravel hotels
Benefit
2% cash back on all purchases, 10% on hotels via SuperTravel, up to $250 cash advance with $0 interest
What Users Commonly Report
Longtime Shop Your Way members often praise the targeted offers, saying the best promotions delivered strong value on specific purchases. A common frustration in 2026 is confusion over the Citi discontinuation and the conversion of old accounts. Reviewers frequently mention the rewards are unpredictable and offer-dependent, and several flag the high APR on the new card. Many note the program works best for people who shop the network often and check their offers regularly.
Frequently Asked Questions
Is the Citi Shop Your Way credit card still available?
No. The Citi Shop Your Way Mastercard was discontinued on November 3, 2025, and Citi automatically converted existing accounts to a standard Citi Mastercard. If you held that card, it is now a regular Citi Mastercard rather than a Shop Your Way card.
Who issues the new Shop Your Way credit card?
As of June 2026, the new Shop Your Way card is issued by First Bank & Trust of Brookings, South Dakota, under a Visa license. Because it runs on Visa, it is an open-loop card usable anywhere Visa is accepted.
What is the APR on the new Shop Your Way card?
The new card has a variable purchase APR of 20.24% to 35.24% as of June 2026, depending on your creditworthiness. There is no annual fee. Because the top end is steep, the card is only worthwhile if you pay your balance in full each month.
How do Shop Your Way rewards work?
Rewards come through the Shop Your Way points program, which delivers personalized, targeted offers rather than a flat cash-back rate. The value depends on actively using your offers, so it favors engaged shoppers over people who want simple, predictable rewards.
