The Sears Credit Cards & Shop Your Way Rewards Program — Everything You Need to Know

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While recent news surrounding Sears and Kmart stores closing isn’t very positive, the company continues to remain a well-established anchor in the network of American department stores.

The downtrend in brick-and-mortar shopping is clearly related to an uptick in ecommerce, and many department stores are scrambling to keep up — Sears included. As die-hard Sears and Kmart shoppers have likely recognized, marketing priority has moved more toward their Shop Your Way loyalty program and the perks that come with its associated credit cards.

So how can these cards benefit you? And are they worth it, or is there a better option for your wallet?

This review outlines the following:

  • Both Sears credit cards
  • The benefits and the drawbacks of each, including fees
  • The application process
  • Management of your account
  • The Shop Your Way rewards program
  • And more…

The Sears Credit Cards at a Glance

Sears Credit Card®Sears Shop Your Way Mastercard®
Main Benefits🗓 Special financing (select products)

💰 Exclusive savings

🔐 Account protection

⛽️ 5% points back at gas stations*

🍏 3% points back at grocery stores*

🍕 3% points back at restaurants*

🛍 2% points back at Sears & Kmart*

🎉  1% points back everywhere else Mastercard is accepted*

🗓 Special financing (select products)

💰 Exclusive savings

🔐 Account protection

*For the first 12 months after card approval. 

Annual Fee$0$0
APR27.49% variable27.49% variable
Late FeeUp to $39Up to $39

Sears has 2 store-branded credit cards, both issued by Citibank: the Sears Credit Card® (their basic store card) and the Sears Mastercard®.

Technically, either of these cards can be utilized at all members of the Sears Holdings family of companies per Sears’ FAQ:

  • Sears
  • Sears Essentials
  • Sears Grand
  • Sears Hardware
  • Sears Auto Centers
  • Sears Hometown Stores
  • Kmart
  • Lands’ End

This also includes some related specialty retailers:

  • Sears Repair and Product Services
  • Sears Dental
  • Sears Portrait Studios
  • Sears Optical
  • Sears Flowers

Additionally, they can both be used on Sears’ Shop Your Way platform.

Hot Tip: As you can see from the table above, a big perk of the Sears Mastercard® is that it can also be utilized anywhere Mastercard is accepted. 

Sears Credit Card®

Sears Basic Store Credit Card
Image courtesy of

This is the definition of a basic store-branded credit card. It doesn’t come with many perks, and it can only be used within the Sears Holdings family of stores (see list above) and on the Shop Your Way platform (see additional details below).

Let’s delve into the (minimal) benefits.

🗓 Special financing (select products): The Sears card gives shoppers the option of special financing on certain products including but not limited to appliances, electronics, fitness equipment, automotive merchandise, and tools.

*A note about special financing: KNOW YOUR TERMS. There’s a big difference between “No Interest for 6 Months” and “No Interest If Paid In Full Within 6 Months”. The latter is what we call deferred interest; we’ll chat more about that in the Fees & Drawbacks section below.

💰 Exclusive savings: Sears states that cardmembers are given access to special deals, savings coupons, invites to cardholder-only events, and the ability to earn points when you use your Sears Credit Card® through the Shop Your Way program/portal.

🔐 Account protection: This comes standard with just about every single credit card nowadays…so while they’re touting it as a perk, it’s really just a given.

Sears Shop Your Way Mastercard®

Sears Shop Your Way Mastercard by Citibank
Image courtesy of

In addition to the basic card perks above, Sears Shop Your Way Mastercard® holders also have the benefit of flexibility when it comes to viable purchase locations since this card can be used anywhere Mastercard is accepted. 

Additionally, cardholders are automatically enrolled in the Shop Your Way rewards program (more details below) and are eligible for category bonus benefits as shown in the table above.

Before you get too excited, we should point out that these benefits are only applicable for the first 12 months after the card has been approved, which is a huge bummer for many users. After the first year, your bonus perks are gone and the card is virtually no better than the basic card except it can be used in more places.

Sears Mastercard Category Bonus Structure
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If you want to keep earning rewards beyond the first 12 months, there are better cards out there for you — we’ll discuss some of them below in the Alternative Rewards Cards section.

Regardless, for the sake of being thorough, we’ll outline the bonus category structure here.

⛽️ 5% points back at gas stations

🍏 3% points back at grocery stores

🍕 3% points back at restaurants

🛍 2% points back at Sears & Kmart

🎉  1% points back everywhere else Mastercard is accepted

As you can see in the image above, the terms and conditions place a limit on the amount of spending that can earn bonus points between the gas, grocery, and restaurant purchases. The 5%/3% points back applies only to your first $10,000 spent. Any amount after that will only earn 1% back.

And of course, you should always read your terms and conditions as there are certain exceptions to every rule.

For example, only true stand-alone gas stations are eligible to earn 5% points back. You’ll only earn the base points (1% back) at those associated with grocery stores, wholesale clubs, and superstores. Other exclusions like this apply to the bonus categories, so read the T&C’s carefully!

🎈$20 statement credit: At the time of this writing, the Sears Shop Your Way Mastercard® is offering a sort of sign-up bonus (so to speak). This promotion gives cardholders the opportunity to earn a $20 statement credit if they make $30+ in eligible purchases on their card within 30 days of the account being opened.

It’s important to note that this promotion is available for online applications only. 

Fees & Drawbacks of the Cards

All credit cards come with their own slew of fees and drawbacks, so how do the Sears cards stack up?


Sears Credit Card®Sears Shop Your Way Mastercard®
Annual Fee$0$0
Purchase APR27.49% variable27.49% variable
Balance Transfer APRn/a27.49% variable
Balance Transfer Feen/a$10 or 5% of each transfer amount (whichever is greater)
Cash Advance APR29.40% variable29.40% variable
Cash Advance Fee$5 or 5% of each cash advance (whichever is greater)$5 or 5% of each cash advance amount (whichever is greater)
Foreign Transaction Feen/a3% of each purchase transaction (in USD)
Minimum Interest Payment$2$2
Late FeeUp to $39Up to $39

Purchase APR

The first things we notice about the fees are the high purchase APRs.

At a purchase APR of 27.49% variable, shoppers could get into trouble swiftly if they tend to carry a balance on their account. This is especially true if they’ve opted for a special financing offer with deferred interest.

A note on deferred interest: We mentioned earlier that you need to be very clear about your terms and conditions with special financing. There’s a BIG difference between “no interest for 6 months” and “no interest if paid in full within 6 months.”

The latter indicates you’ll be subject to deferred interest. In Sears’ case, what we’re seeing is that pretty much all of their special financing offers utilize deferred interest.

So why is deferred interest so bad?

It doesn’t have to be if you pay off your purchase in full within the promotional period. In that case, no interest will be applied. However (and it’s a big however), if you don’t pay off your balance in full within the promotional period, interest charges will be imposed on the starting balance at the APR for regular purchases retroactively from the date of purchase. In this case, 27.49%.

Cash Advances

If you don’t know already, here’s a heads up that you should never utilize the cash advance option on a credit card if you can help it.

Not only will you be charged the associated fee (either the flat rate or %, whichever is greater) but you also won’t get a grace period on the cash advance. So interest begins accruing on the balance as soon as the transaction is completed — even if you pay your balance in full when your billing statement comes. You’d basically have to pay off the cash advance within 24 hours to avoid a ridiculous APR.

And let’s not even get started on balance transfers!

Foreign Transaction Fees

If you’re a traveler, there are plenty of credit cards out there that won’t charge you foreign transaction fees at all…so that’s kind of an added kick in the pants. (Not to mention the fact that this isn’t even close to being the best travel card for you, for a multitude of other reasons.)

Biggest Additional Drawbacks

The main drawback of these cards (outside of the high fees/penalties) is the complicated rewards program. We go pretty in-depth in the Shop Your Way Rewards Program section below, so here we’ll just say that while it gives you a lot of options for earning points, you don’t have a ton of options to redeem them.

Besides, most people can earn tons of points even without having a Sears credit card.

Actually, with respect to the rewards program, having the basic Sears Credit Card® won’t really give you any added benefits at all. And the Sears Shop Your Way Mastercard®? As we already mentioned and will reiterate throughout this review, you only get the bonus structure for 12 months. After that, it’s zip, nada, no bonuses.

Alternative Rewards Credit Cards (Our Recommendations)

As you can probably already tell from the post thus far, we’re not big fans of the Sears cards. Unless you’re a VERY loyal Sears or Kmart shopper, there are likely far better options out there.

For example, below are cash-back credit cards that would earn you more than the Sears credit cards.

Plus, many are credit cards with a 0% intro APR for over a year, whereas the Sears cards have sky-high APR rates.

Alternatively, if you’re a traveler or are looking to travel more, then consider the Chase Sapphire Preferred® Card, which is one of the most popular travel rewards cards out there.

The sign-up bonus is worth $625 when used for travel expenses (flights, hotels, etc.) through Chase’s own travel portal, which is very easy to use.

You’ll earn 1pt/$1 spent on all everyday purchases and 2pts/$1 spent on ALL dining and travel purchases.

Applying for the Sears Cards

Basic Sears Credit Card vs Sears Shop Your Way Mastercard
Image courtesy of

It appears there are 2 separate applications for the Sears credit cards. So unlike some other store rewards cards, prospective applicants do get to decide which they apply for.

This information was a bit murky online, so I called Citibank’s Application Services department, who confirmed this was the case. If an applicant is denied for one of the cards, they will need to submit another application for the alternate card.

Each card can be applied for either online or in-store.

You can find the Sears Credit Card® online application here, and the Sears Shop Your Way Mastercard® application here.

Neither Sears nor Citi discloses the exact credit score requirements for approval on these cards, but most sources agree that the basic Sears card is easier to get, with most applicants in the “fair” range being approved.

This means you’ll need a better score (likely in the “good” to “excellent” range) to be approved for the Mastercard version. Though this is not always the case, with some outliers reporting approval with poorer scores.

It should be noted that there have been some reports of basic Sears cardholders being “upgraded” to the Sears Shop Your Way Mastercard®, although qualification requirements to achieve the upgrade are undisclosed.

Login & Online Account Management

Please note that this section discusses account management for the Sears credit cards. For management of the Shop Your Way program points, please refer to that section below.

Online Management

Sears Credit Card Online Management via Citibank
Image courtesy of

Cardholders can utilize the co-branded Sears-Citibank online platform to manage their account.

If you’ve just been approved for your card, you’ll first need to register your card and create an account. After this initial registration, users can simply log in with their user ID and password.

Within the platform, cardholders have the ability to:

  • View and track account activity
  • View billing statements
  • Make payments
  • Receive exclusive offers
  • Activate alerts
  • Enroll in paperless statements
  • and more…

Sidenote: Sears does have a mobile app, but you can’t manage your card with it.

Shop Your Way Program (In-Depth)

Shop Your Way Rewards Program
Image courtesy of

This shopper loyalty/ecommerce platform is pretty convoluted, but we’ve attempted to hash out the most important basics for you here.

When it comes to the Sears credit cards, applicants who are approved will be automatically enrolled in the Shop Your Way program when they open their new account.

In contrast to many other online platforms built to simply manage a rewards account, the Sears Shop Your Way platform also provides customers with an opportunity to earn points by shopping through the platform (much like a shopping portal), as well as link other credit cards to earn through additional partners.

Users can also make a profile, create catalogs, and utilize a type of “newsfeed,” but we won’t expand on those here since they’re not vital to how the credit card earning/spending works.

Earning Your Points

Shop Your Way - Ways to Earn Points
Image courtesy of

There are multiple ways to earn points in the Shop Your Way program:

  • Use your Sears Shop Your Way Mastercard® on everyday purchases with bonus category earnings (5-3-2-1 % back promo)
  • Shop at Sears and/or Kmart (no Sears card required) and provide your member number, email, or phone number at checkout
  • Shop through the Shop Your Way platform (no Sears card required)
  • Use a “linked card” (like an alternative Mastercard or Visa card) at a participating partner location/website

Hot Tip: We emphasize here that cardholders are earning points, because the program markets this as “CASHBACK in points.” Don’t let this fool you —  this is not a true cash-back card or program. 

Using the Sears Shop Your Way Mastercard® With 5-3-2-1 % Back Bonus

As we mentioned above, utilizing the Sears Shop Your Way Mastercard® for everyday purchases will earn you bonus points within the percent back structure for 12 months from the date of opening your card.

This is a pretty basic way to earn points — but the unusual part is that once the 12 months is up, so is your opportunity to earn bonus points with this card.

On the marketing page for the basic Sears Credit Card®, Sears advertises “the opportunity to earn additional Shop Your Way points when you enroll in Shop Your Way and use your Sears Card” — but it doesn’t elaborate. They don’t report if cardholders will earn base points, bonus points, or a special percent back by using their Sears card.

We searched high and low for this information and even emailed Shop Your Way customer service, but they were unable to completely clear this up. (If any readers have any insight, we’d love to hear it — leave us a comment below!)

Shopping at Sears or Kmart

You don’t actually have to have a Sears branded credit card to earn Shop Your Way points at Sears and Kmart (although you’ll earn 2% back at these 2 stores by utilizing the Sears Shop Your Way Mastercard® there during the first year).

In store, Shop Your Way rewards members can simply give their account number, email address, or phone number associated with the account during checkout to earn points. Similarly, online shoppers can provide this at checkout.

Remember that as with all rewards programs, restrictions on some purchases may apply — so read your terms carefully if you’re questioning whether a certain purchase will earn you points.

Shopping Through the Shop Your Way Platform 

Shop Your Way Platform
Image courtesy of

This is where things get pretty interesting from a credit card rewards platform perspective.

Most cards simply use a rewards platform for monitoring/managing a rewards account. However, the Shop Your Way program was designed before Sears teamed up with Citibank, and therefore it existed prior to these 2 cards coming into play. The platform actually acts like a shopping portal, where members earn bonus points just by using it.

That’s why technically, neither of the Sears credit cards are needed to create an account or earn points through the platform. Of course, consumers will need some sort of credit card to checkout  — either of the Sears cards could be used for that purpose, but they aren’t required.

Once signed up to the program, users simply shop within the portal to earn points through online partners.

Using a Linked Card at a Participating Partner Location/Website

Link A Card - Shop Your Way Program
Image courtesy of

Yet another huge divergence from other credit card rewards programs, the Shop Your Way platform not only gives shoppers the ability to link non-store-branded credit cards to the program, but actually encourages it with a path called “Card Link.”

As another way to earn points through Shop Your Way, rewards members can link up to 5 eligible credit cards to the program (which at this time includes some Mastercards and some Visa cards).

When a cardholder makes a purchase with one of these cards at any participating partner (in-store or online), points are earned and automatically added to the user’s account, which can take up to 7 days.

Shop Your Way Program - Card Link Local Offers
Image courtesy of

Shop Your Way boasts over 11,000 participating Card Link partners including stores, restaurants, etc., encouraging rewards members to earn points in places they’re probably already shopping.

Hot Tip: You can find additional details on this confusing program at their FAQ here.

Additional Ways to Earn

Shop Your Way even advertises earning points through booking travel, riding with Uber, entering sweepstakes, utilizing special coupons, etc.

Lastly, Shop Your Way utilizes a type of dynamic bonus points called FREECASH, which is given to shoppers as a sort of thanks for being a loyal rewards member. FAQ and Customer Support report:

“These points often have their own requirements, like a minimum purchase, a quick expiration date or a certain category of items for you to redeem them on… FREECASH is similar to Surprise Points and not regular points. They will be on your account and will trigger when you make a qualifying purchase. Once trigger, they amount of the FREECASH offer will be added to your current points balance for it to be redeemed. FREECASH may specific what item/category you must buy, where it must be redeemed, and how much you spend [sic].”

Shop Your Way VIP

Yup, Shop Your Way also offers a VIP program based on rewards members reaching certain spending thresholds in a calendar year.

Interestingly, the program offers 2 ways to achieve these spending thresholds:

1. Multiple Purchases

  • VIP Silver: Make 11 purchases totaling $800 in a calendar year
  • VIP Gold: Make 20 purchases totaling $1,500 in a calendar year
  • VIP Platinum: Make 30 purchases totaling $2,000 in a calendar year

Terms and conditions state that a shopper’s total balance is evaluated each week. If they qualify for VIP status or to move up to the next VIP level, the status will be reflected in the shopper’s online account within 8 business days, and you’ll be notified by email within 14 days.

2. Large Purchases

  • VIP Silver: Spend $2,500 in a calendar year
  • VIP Gold: Spend $5,000 in a calendar year
  • VIP Platinum: Spend $10,000 in a calendar year

With this route, shoppers can achieve VIP status by meeting different requirements, based solely on how much they spend in a calendar year. This route has a higher spending threshold, but no requirements on the number of purchases made per year. This can usually be accomplished through fewer larger purchases over time.

You can see the compounding benefits of each VIP status in the image below:

Shop Your Way VIP Status
Image courtesy of

What Your Points Are Worth

Now that you know all about earning rewards, what are they worth?

Shop Your Way rewards members generally earn 10 points per $1 spent (unless under a bonus structure or special promotion).

Within the program, 1,000 points is equal to $1 in value.  

As a rewards member earns, points are automatically stored in the member’s account, and the balance can be accessed any time via the online platform or mobile app.

Rewards aren’t “issued” in any form of a certificate, but instead your monetary value earned is available to apply at the checkout process through the online platform, or in-store by providing your member number/email/phone.

Using Your Rewards

Sears Shop Your Way Points Redemption
Image courtesy of

Once you’ve earned your rewards, you’ll be able to redeem online or in-store at the following locations:

  • Sears
  • Sears Grand
  • Sears Essentials
  • Sears Hometown Stores
  • Sears Home Appliance Showroom
  • Sears Hardware, Sears Outlet
  • Sears Auto Centers
  • Kmart
  • Lands’ End
  • mygofer

The terms and conditions specifically mention that while you can currently earn points for Sears Home Services, your rewards points cannot be redeemed on Sears Home Services.

When making a redemption online, members will want to be logged in to their account to access their points. When making a redemption in store, the member will want to provide the sales assistant with their account number, email, or phone number.

At the time of purchase, shoppers may choose whether to apply all or just some of their rewards points. 

Managing Your Rewards

Shop My Way Rewards Program - Points Tracking
Image courtesy of

The best way to manage your rewards is online through the Shop Your Way platform or via the mobile app (Apple, Android).

If you haven’t yet registered, you will obviously need to do that first — then each time you come to the online platform you can simply log in.

For individuals who have an account prior to applying for a Sears card, or for those who have been automatically enrolled via credit card application approval, this is what Sears has to say:

“If a Shop Your Way member number is provided at the time your Mastercard is approved and opened, it will be linked to your Shop Your Way member number. If no Shop Your Way member number is provided at that time, you will be automatically enrolled in Shop Your Way, assigned a Shop Your Way member number and linked to your Mastercard account.”

Final Thoughts

In summary, it seems the Sears credit cards don’t provide all that much bang for your buck when it comes to savings.

The basic Sears Credit Card® only provides the opportunity for special financing and exclusive savings offers, which aren’t all that lucrative. The Sears Shop Your Way Mastercard® does have an added bonus points earning structure, but it’s only good for 12 months.

Additionally, the Shop Your Way program is pretty complicated, with tons of ways to earn points but few ways to redeem them.

What’s even more disappointing from a Sears cardholder perspective? You don’t even need to have a Sears card to earn points or VIP status — you can link any eligible Mastercard or Visa.

And all those drawbacks don’t even include the high fees and penalties associated with these cards.

Unless you’re a die-hard Sears and Kmart shopper who plans to seriously engage in the Shop Your Way rewards program, there are likely better cards out there for you.

Frequently asked questions

Is the Sears Credit Card® a good card?

The answer kind of depends on which card you’re approved for. In our opinion, the basic Sears Credit Card® isn’t of much use — there are many alternative cards out there that can afford you the same benefits and then some.

If you can get the Sears Shop Your Way Mastercard® and you’re a loyal Sears and Kmart shopper (plus you plan to utilize the Shop Your Way rewards program enthusiastically), this could be a decent card for you. However, there are many drawbacks including high fees/penalties and the fact that the bonus points earning structure with the Mastercard is only valid for 12 months from approval. Again, there are likely other cards that could afford you similar benefits (and then some).

Can the Sears Credit Card® be used anywhere?

That depends on which Sears credit card you have.

The basic Sears Credit Card® can only be utilized at: Sears,, Sears Essentials, Sears Grand, Sears Hardware, Sears Auto Centers, Sears Hometown Stores, Kmart, Lands’ End,, and the Shop Your Way online platform. This also includes some related specialty retailers: Sears Repair and Product Services, Sears Dental, Sears Portrait Studios, Sears Optical, and Sears Flowers

The Sears Shop Your Way Mastercard® can be utilized anywhere Mastercard is accepted.

Is the Sears card easy to get?

Most credit card review sites agree the basic Sears Credit Card® requires a credit score in the “Fair” range for approval, while the Sears Shop Your Way Mastercard® requires a credit score at least in the “Good” range.

Those with “Good” to “Excellent” credit could very likely be approved for either card. However, for those with such favorable credit scores, there are plenty of alternative credit cards that would provide superior benefits.

Does the Sears card have an annual fee?

No, neither of the Sears cards have an annual fee. That being said, there are certainly other significant fees and penalties to watch out for. At the time of writing these FAQs, that includes a hefty 26.99% variable purchase (and balance transfer) APR, as well as a 28.90% cash advance APR.

Prospective cardholders should always read the terms and conditions related to the card in question before deciding to apply.

How does the Sears credit card work?

If you have a basic Sears Credit Card, it gives you the option of special financing on some purchases as well as access to special discounts and savings…so it doesn’t really do much.

The Sears Shop Your Way Mastercard® comes with the special financing options, exclusive discounts and savings, the ability to utilize the card anywhere Mastercard is accepted, and a category bonus points earning structure.

However, this bonus structure (5% points back at gas stations, 3% points back at grocery stores & restaurants, 2% points bach at Sears & Kmart, and 1% points back everywhere else Mastercard is accepted) is only valid for 12 months from opening the account.

Sears Mastercard® users earn points through the Shop Your Way rewards program at a base rate (before bonuses) of 10 points per $1 spent. Every 1,000 points earned then equals $1 in rewards.

The Shop Your Way program itself is a bit convoluted, but essentially affords you the option of applying your rewards at checkout either in-store or online at a limited number of redemption locations: Sears, Sears Grand, Sears Essentials, Sears Hometown Stores, Sears Home Appliance Showroom, Sears Hardware, Sears Outlet, Sears Auto Centers, Kmart, Lands’ End, and mygofer.

Who issues the Sears credit card?

Both Sears credit cards are issued by Citibank.

Erin Miller

About Erin Miller

Erin currently maintains her status as Alex's adventure-seeking partner-in-crime and contributes to Upgraded Points through in-depth content creation & relationship management.
She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. That was that - she's been gallivanting around the globe ever since (26 countries & counting)!

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Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Tom Rudloff June 13, 2019

    I sent in a warranty for a weed wacker that I purchased. The Sears store can see the points I’ve earned, but cannot apply them. I called customer service but was not able to speak to anyone. Any ideas?


    • Hi Tom,

      We are sorry that you’re having a rough experience. Do keep in mind that we are not affiliated with Sears but we will do our best to help! Did you use the Sears credit card for your purchase? If so, have you tried calling the number on the back of your Sears card to see if they can assist?


  2. What this review ignores (or isn’t aware of) is the frequent special offers from the plain version of the plain (non-SYW) sears card. Some offers are better than others, but it’s common to get something like 10% back at gas stations, grocery stores, and restaurants. I’ve also gotten offers like $50 back if I spent $500, and it’s stackable, so if I spend $500 at grocery stores etc. then I would get 20% back.

    It’s fiddly, but lucrative.


    • Hi Steve,

      Thanks for reading. The Sears Card from Citibank is not in the scope of this article. We’re glad to hear that you’re getting good deals with these offers periodically!


  3. Carrol Lister January 21, 2020

    My name is Carrol Lister and I have been a Sears cardholder and a member of shop your way for years, yet in the last 4 to 6 years I have not received any points to my Shop Your Way rewards card. I have spent a lot of money using my Sears card purchasing high end items such as washers and dryers refrigerator, two mattress sets, each of them costing over $2000.00 dollars. I have been told that
    I called the store and requested for my points to be shared with my daughter. This is not true. Will you please check the records and tell me what happened? I was a good cardholder, and always paid my bill on time and made numerous purchases. I spent a lot of money at the Sears online store. Shop Your Way owes me a lot of points and I want them.


    • Christine Krzyszton January 21, 2020

      Hi Carol. Sorry for your frustration but we are not affiliated with Sears or Shop Your Way rewards and cannot help. We are Upgraded Points, a blog specializing in providing points, miles, travel, and credit card related content. You should contact Shop Your Way directly and ask for an accounting record of your points activity. Their number is 1.800.991.8708.


  4. what is a good card to have if you spend a lot of money on online retail stores?


    • Hi Maura,

      The Bank of America Cash Rewards card could be a great option. The card earns 3% cash-back on a category of your choice, and online shopping is a category option. Also, if you do a lot of online shopping, make sure you’re using shopping portals like Rakuten to increase your cash-back even further!

      Thanks for reading!


  5. Paul Wieczorek June 24, 2020

    At one point I transferred my points to shop your way, I’m hoping they are still there for me to use. I use the card and was told my points are there to be redeemed when I want to use them. I’m counting on the fact I have 150.00 dollars on it and now have accumulated more points. My understanding is the points are for whenever I want to redeem them. Does this make sense?


    • Hi Paul,

      Yes, that makes sense! and yes, your points are there for you to redeem whenever you would like.

      Thanks for reading!


Any thoughts or questions? Comment below!

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