(2022 Update) Shop Your Way Credit Card Login, Payment, Customer Service, Cancel, And More

If you are someone who likes to shop more often at the same place, you must go after store-branded credit cards that come with exclusive benefits.

Many people argue that store credit cards are a useless investment, but if you know, you know! We won’t go into the pros and cons of having store credit cards, but we are talking to those who think that branded credit cards are better than general-purpose cards for loyal customers.

Shop Your Way is also a store-branded credit card that you must have if you are a shopper at particular store chains and services that we will mention later.

If you have just received your Shop Your Way credit card and are overwhelmed with the process of signing up, card activation, payments, etc., we are here for you.

In this article, we are going to walk you through the complete process of activating and using your Shop Your Way credit card. So let’s get into it without any further ado.

What Is Shop Your Way Credit Card And Its Benefits?

Shop Your Way credit card is a store-branded credit card but with a twist. The difference between Shop Your Way and other store credit cards is the freedom to pay.

This credit card powered by Mastercard can be used anywhere the Mastercard payments are supported. Besides, it is not just one store but a co-branded retail card for shoppers of Sears and Kmart.

Whether you are an online shopper of Kmart or Sears or love to shop from Kmart brands or Sear locations, this card is going to be a good investment.

You can earn rewards in the form of cashback, points, etc. Shop Your Way reward programs are probably the best compared to other store-branded retail cards.

Shop Your Way credit card is a very good option for those who want to get more rewards on dining, gas filling, and groceries. Besides, it also gives you the benefit of no rotation of categories each quarter.

You can also capitalize on deals and discounts that are offered by Redemption Partners of Shop Your Way.

Benefits Of Shop Your Way

Here are some of the most notable benefits of owning a Shop Your Way credit card you can’t resist:

Points And Rewards

The point and reward system offered by the credit card company is something we can talk about. If we only talk about the cashback you can earn by shopping with your card, it gives you the following percentages of cash back for different categories:

  1. If you are making a purchase at a qualified gas station, you are eligible to get 5% cashback.
  2. You will earn a 3% cashback on getting food from any of the qualifying restaurants, be it a bar or café.
  3. For your grocery store, purchases from qualifying stores will get you another 3% cashback.
  4. If you make purchases at Kmart or Sears stores, you get 2% cashback straight away.
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Targeting Spending Bonuses

Targeting spending bonuses is yet another exciting thing about the Shop Your Way card you must consider when thinking about getting one. The company sends targeted spending bonuses to motivate the users to increase their spending through the card.

For instance, you might get a targeted spending offer stating 20% in statement credits on utility purchases or earning a 10% by using your Shop Your Way credit card at gas stations, restaurants, or grocery stores.


The annual Percentage Rate(APR) on the Shop-Your-Way credit card is comparatively low when compared to many other branded credit cards.

No Annual Fee

Another benefit of getting your Shop Your Way credit card is no annual fee.

Easy Terms For Getting Approved

You don’t have to fulfill complicated terms and conditions, high credit scores, etc., to get approved for a credit card. However, the company has not put conditions of very good credit scores and other terms to get approved.

If you have a credit score around 700 or above, you should not be worried about getting approved for your Shop Your Way credit card.

How To Login To Shop Your Way Credit Card?

If you want to use your Shop-Your-Way credit card to make payments, manage your account, view your balance, and perform other functions the company allows, you will need to log in with a unique username and password.

Here is the step-by-step guide on how to login to your account:

Step 1: Visit the official website of Citi Bank from the web browser of your phone or desktop. You can access it here as well.

Step 2: The URL will take you to the login page for your Kmart and Sears credit card, Shop Your Way. Now you have to enter your details in the given fields.

Step 3: The login page needs you to add your User ID in the dedicated field and then enter the online banking password.

Step 4: Once details are added, tap on sign in to enter your account. However, you can also check to Remember My User ID when logging in from your personal device. It will save you from additional hassle for future logins.

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Step 5: If you have entered the correct details, you will be able to see the dashboard of your credit card account, and you can also see the summary of account details. Now perform whatever function you want to do.

How To Activate Your Card?

If you have just got your Shop-Your-Way card and are not sure how to activate it, here is the step-by-step guide for you:

Step 1: visit the official page for Shop Your Way credit card on the website of Citibank from your web browser. Since you want to activate your card, tap on Register Your Card.

Step 2: You will be asked to enter your credit card number to start the credit card registration process.

Step 3: Follow the registration process as shown and follow all the guidelines given for filling out the registration process.

Step 4: Once filled, tap on Send Code to undergo the verification process by receiving a code via text or call on your phone.

Step 5: Verify your account by confirming the code sent to you. Once you confirm the code, the registration process is completed. You will receive a User ID for activation of your card.

How To Make Payments With Shop Your Way Card?

There are several ways you can use your Shop Your Way credit card to make payments. We will mention all the ways you can capitalize when using your card:

1.    Online Payment

The most common and used method of making payments is online mode. It is convenient and easy.

All you have to do is log in to your Shop Your Way card account, look for the payment option, enter the amount, and give your bank details to retrieve funds to make respective payments. Once you follow all the steps, click submit button to authorize the online payment.

2.    Over Phone

You can also make payments at Shop Your Way brands via phone call. To do this, you will need to call the toll-free number of the Shop Your Way credit card service.

The number is 877-816-9063, and you can follow the automatic instructions for completing payments. You can also have a customer care agent at your service to help you complete the payment.

3.    By Mail

You can opt to pay your credit card bills via the mail option given to customers of the Shop Your Way card.

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You can choose between expedited payments or standard mail and send the payment coupon to the mailing address given by the bank. In the case of Shop Your Way, you have to send money to the following address:

  1. P.O. Box 78024
    Phoenix, AZ 85062-8024
  2. PO Box 70610
    Philadelphia, PA 19176-0610

For express payments:

Attn: Consumer Payment Dept.
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213

How To Check Your Credit Card Balance And Points?

If we talk about checking the points available on your Shop Your Way Credit card, it is available right away when you log in to the account. The dashboard has the summary comprising your points balance.

You can also check the break up of your points(how did you earn, where you can redeem, etc.). However, to access the detailed information, you will have to go to the My Points page from the drop-down menu given.

Customer Services Of Shop Your Way

There are several ways you can get in touch with the customer service of Shop Your Way. You can ask a question, have their assistance, or give your feedback during working days(Mon-Fri). They are not available if it is a public or national holiday.

Here are different modes to get in touch with the customer service of the Shop Your Way card:

Phone number: (800) 991-8708

Email: [email protected]

Mailing Address:

PO BOX No. 6282

Sioux Falls, SD 57117

How To Cancel Your Shop Your Way Credit Card?

If you want to cancel your Shop Your Way credit card, you will need to contact Citibank for that purpose. They have dedicated helplines to assist clients who want to close their accounts.

However, you must understand that closing your card will not close your SYW points account. You will also need to contact the teams separately to close that account.

Contact Information For Closing SYW Credit Card: 877-816-9063, 1-800-325-2865

Contact Information For Closing SYW Points Account: Online Application


We have discussed everything you need to know for activating, using, and closing your SYW credit card and points account. You need to know how to use your credit card when you own one.

And we will highly recommend the SYW cards to anyone who is a regular shopper of Sears and Kmart.

Besides, we also recommend the SYW card if you spend most of your money on groceries, gas, and food. We hope these answers are helpful for you and give you all answers before concluding.