Shop Your Way® Mastercard® Review

The Shop Your Way® Mastercard® is a credit card that allows individuals to earn rewards and exclusive benefits on their everyday purchases. It also offers advanced fraud protection and provides access to special financing options for select items. This review will provide an overview of the features, benefits, and drawbacks associated with this product.

The first section of the review will focus on the various aspects of using the Shop Your Way® Mastercard®, such as its rewards program, interest rates, customer service experience, and more. The second part will discuss how to apply for the card, including eligibility requirements and application process steps. Lastly, the third portion of this review will look at some potential alternatives to consider when deciding whether or not to get this particular credit card.

Overall, this review aims to give readers a comprehensive understanding of what they can expect from owning a Shop Your Way® Mastercard® in terms of advantages and disadvantages so that they are able to make an informed decision about whether or not it meets their individual needs.



Shop Your Way® Mastercard® is a rewards credit card from Synchrony Bank. It offers great value for customers who shop regularly at Sears, Kmart and other retailers in the Shop Your Way program. The card provides generous cash back rewards on purchases made with it, as well as discounts and special offers that can be used to save money when shopping online or in-store. Additionally, cardholders enjoy complimentary member benefits such as account protection services, purchase security guarantees and more.

The Shop Your Way Mastercard features no annual fee, making it an attractive option for those looking to build their credit score without incurring additional costs. Furthermore, new applicants may qualify for up to $150 in statement credits upon approval of the application. For all these reasons, the Shop Your Way Mastercard is worth considering if you are looking for a reward-based credit card with competitive rates and flexible terms.


Benefits & Rewards

The Shop Your Way® Mastercard® offers a variety of benefits and rewards for cardholders.

Cardholders earn three points for every dollar spent at Kmart, Sears, Lands’ End, MyGofer and other select partners. Points can be redeemed in-store or online at any participating location. Additionally, members receive exclusive discounts on items at those locations as well as additional discounts during special promotional periods throughout the year.

Members also enjoy additional rewards such as:

  • 1 point earned per $1 spent anywhere else Mastercard is accepted
  • Double points on gas station purchases
  • Access to special financing options with no interest charges when paid off within 6 months of purchase date
  • A free birthday gift each year

These features make it easy to earn and redeem rewards while shopping both in-store and online.


Eligibility Requirements

The Shop Your Way® Mastercard® offers numerous benefits and rewards for cardholders. To take advantage of these perks, one must meet certain eligibility requirements. In order to apply for this credit card, applicants should have a good-to-excellent credit score of 670 or higher. Additionally, Applicants must be at least 18 years old and provide proof of U.S residency with a valid social security number.

Applicants will also need to submit various documents including the last two bank statements and their most recent pay stubs as well as any other information required by lenders in order to determine whether they are eligible for the card or not. Furthermore, since it is an unsecured line of credit, applicants may be asked to put up collateral if they do not have enough financial history to qualify without it.

Once all necessary forms are submitted and approved by the lender, applicants can then proceed to use their newly acquired Shop Your Way® Mastercard®, equipped with its many benefits and rewards.


Fees & Charges

The Shop Your Way® Mastercard® does not have an annual fee or any other fees associated with the card. However, there are certain charges that users should be aware of when using the card. The first is a foreign transaction fee of 3% for purchases conducted in a currency other than U.S. dollars. Additionally, if you do not pay your balance in full each month then interest will accrue on the remaining balance at an APR rate of 24.99%. Late payments will incur a penalty fee of up to $40 and returned payments may also result in additional fees being charged by the issuer. It is important to note that all these fees can vary depending on state law and applicable regulations so it’s wise to read through all applicable terms before committing to use this credit card.


Customer Service & Security Features

The Shop Your Way® Mastercard® provides customers with top of the line customer service and security features. Customers can rest assured knowing that their personal information is secure from unauthorized access as a result of its encryption technology, which protects card details when shopping online or over the phone. Additionally, fraud alerts are sent via email to alert customers whenever suspicious activity occurs on their account.

Furthermore, 24/7 customer service support is available for any inquiries about balances, transactions, rewards points and more. The website also offers an FAQ section for commonly asked questions regarding account setup, payments and other general inquiries. Furthermore, the mobile app allows users to manage all aspects of their accounts from anywhere in the world at any time of day.


Pros & Cons

The Shop Your Way® Mastercard® offers a range of benefits for customers. It has no annual fee, and its rewards program provides points that can be redeemed at Sears and Kmart stores or online. Additionally, the card comes with an introductory APR offer on purchases and balance transfers. Customers also enjoy low interest rates as well as access to exclusive discounts throughout the year.

However, there are some drawbacks associated with this credit card. For example, while it does not have an annual fee, users must meet certain spending requirements in order to qualify for higher reward tiers; furthermore, the rewards are limited to use at Sears and Kmart stores only. Furthermore, if customers do not pay their balances in full each month, they will incur significant interest charges due to the high regular APR rate after the expiration of any promotional period.



The Shop Your Way Mastercard offers a variety of benefits and rewards for customers. Eligibility requirements are straightforward, with no complicated criteria to meet in order to be eligible for the card. Fees and charges associated with this credit card are competitively priced, making it an attractive option for those looking to make purchases on credit. Furthermore, customer service is quick and efficient while security features provide peace of mind when using the card online or offline.

In conclusion, the Shop Your Way Mastercard is a great choice for individuals wanting access to credit without compromising on quality. The combination of competitive fees, generous rewards and excellent customer service makes this card stand out from other offerings in its field. Additionally, superior security measures ensure that customers can use their card safely and securely wherever they go. This comprehensive offering gives users all the benefits needed to enjoy convenient shopping experiences with confidence.

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