Shop Your Way Mastercard® from Citi Review

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

Pros & Cons

Features

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