Shop Your Way Mastercard® from Citi Review

Shop Your Way Mastercard® from Citi — all information about the credit card.

Citi Shop Your Way Mastercard®
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Our Rating:
3.41 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back in Shop Your Way Global Points on eligible gas station purchases, for the first $10,000 (which includes the eligible restaurant and grocery store purchases) per calendar year and then 1% thereafter. (5% back in Points equals 4% in Card Extra Points and 1% in Card Base Points).
    • 3% Cash Back in Shop Your Way Global Points on eligible restaurant (including cafes, bars, lounges and fast food restaurants) and eligible grocery store purchases for the first $10,000 (which includes the eligible gas station purchases) per calendar year and then 1% in Card Base Points thereafter. (3% back in Points equals 2% in Card Extra Points and 1% in Card Base Points).
    • 2% Cash Back in Shop Your Way Global Points on purchases that are “Qualifying Purchases” under the Shop Your Way Program at participating Shop Your Way Merchants. (2% back in Points equals 1% in SYW Merchant Base Points and 1% in Card Base Points).
    • 1% Cash Back in Shop Your Way Global Points on other purchases that are not classified as either Qualifying Purchases or Non-Qualifying Purchases under the Shop Your Way Program and that are made outside of Shop Your Way Merchants or are described above as “Certain Non-eligible Purchases” (“Card Base Points”).
  • Intro Offer:
    • $40 Statement Credit When you spend $50 or more on eligible purchases in the first 30 days after you are approved for a new Shop Your Way Mastercard®.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    30.49% Variable
  • Balance Transfer APR:
    30.49% Variable
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Citi Shop Your Way Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Gas
$
3%
Dining
$
3%
Groceries
$
2%
Shop Your Way Merchants
$
1%
All other purchases
$
Have you already recieved the Citi intro bonus?
Calculate
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All benefits

  • Cash back
    • 5% In Shop Your Way Global Points on eligible gas station purchases, for the first $10,000 (which includes the eligible restaurant and grocery store purchases) per calendar year and then 1% thereafter. (5% back in Points equals 4% in Card Extra Points and 1% in Card Base Points).
    • 3% In Shop Your Way Global Points on eligible restaurant (including cafes, bars, lounges and fast food restaurants) and eligible grocery store purchases for the first $10,000 (which includes the eligible gas station purchases) per calendar year and then 1% in Card Base Points thereafter. (3% back in Points equals 2% in Card Extra Points and 1% in Card Base Points).
    • 2% In Shop Your Way Global Points on purchases that are “Qualifying Purchases” under the Shop Your Way Program at participating Shop Your Way Merchants. (2% back in Points equals 1% in SYW Merchant Base Points and 1% in Card Base Points).
    • 1% In Shop Your Way Global Points on other purchases that are not classified as either Qualifying Purchases or Non-Qualifying Purchases under the Shop Your Way Program and that are made outside of Shop Your Way Merchants or are described above as “Certain Non-eligible Purchases” (“Card Base Points”).

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 30.49% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 30.49% Variable
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances and balance transfers on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 5% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • High APR
  • No Intro Period
  • Foreign Transaction Fee

Features

Classic
Mastercard
Contactless
  • No Annual Fee
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Extended Warranty Protection
  • Good Credit
  • Excellent Credit

About the issuer

Citi has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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Citi Shop Your Way Mastercard® is an option for those, who need Classic features. With an APR of 30.49% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Citi Shop Your Way Mastercard® you will get such features as No Annual Fee, Cashback, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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