The $0-annual-fee Shop Your Way 5321 Visa Credit Card — issued by First Bank & Trust — is the latest incarnation of the popular Shop Your Way Credit card previously issued by Citi.
The card earns elevated rewards in valuable spending categories, including 5% back on gas and 3% back on groceries, dining and travel. Those are competitive rates in popular categories.
The problem, however, is that the card lacks the kind of benefits you'd expect to find on other rewards credit cards. For instance, it doesn't come with an intro APR period. Plus, it's also worth noting that the rewards you earn with the Shop Your Way 5321 card have low individual value. On the plus side, you get a lot of them, but it still might require doing more math than you'd like when you're ready to redeem. A general, non-branded cash-back credit card might be more straightforward and offer greater flexibility.
Here's what to know about the Shop Your Way 5321 credit card.
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Mere weeks after the Shop Your Way 5321 Visa Credit Card debuted in November 2025, it unceremoniously stopped accepting applications from the general public and became invitation-only. However, as of March 2026, the card has once again become available to the general public with a small bonus offer for some applicants. 
1. Its rewards categories are useful
The Shop Your Way Card earns cash back in the form of Shop Your Way points. Here’s what cardholders get:
- 5% back on eligible gas, EV charging and everyday transportation purchases, including public transit, taxis, rideshare, car washes, parking and tolls.
- 3% back on dining, groceries and travel, including airfare, hotels, cruises, car rental, timeshares and travel agencies.
- 2% back on eligible Shop Your Way merchant purchases, including Sears, Kmart, Home Depot, Macy’s, Walmart, Walgreens, among thousands of other popular brands.
- 1% back on all other purchases.
The card’s 5x and 3x categories cover a wide range of everyday purchases that will fit most spending budgets. Plus, those elevated rewards are uncapped.
While the card’s bonus categories are useful, keeping track of them can require some effort. If juggling multiple categories isn’t your speed, consider a flat-rate cash back card, like the Wells Fargo Active Cash® Card, for example.
The $0-annual-fee card earns an unlimited 2% cash back on eligible purchases. And those rewards can be redeemed for statement credit or direct deposit into a Wells Fargo checking or savings account. It also comes with a welcome bonus and the following introductory interest-free window: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 18.49%, 24.49%, or 28.49% Variable APR.
2. Points have low value, but redemption options are flexible
As mentioned above, rewards are earned not as cash back, but as a percentage back in points. And with the card, every 1,000 points is equal to $1 that can be redeemed. This means that each point is worth 0.1 cent each, which is considerably lower than the industry standard of a full penny per point.
That said, the card does award more points per dollar than most others do. For Instance, "1% back in points" equals 10 points per dollar spent, and "5% back in points" equals 50 points per dollar spent.
Shop Your Way points earned with the 5321 Visa card can be redeemed for statement credit toward your card balance, or toward in-store or online Shop Your Way purchases and gift cards.
Note that to redeem for statement credit, you must have a minimum of 5,000 points (which is the equivalent of $5). Additionally, points expire one year after they’re earned, at the end of the calendar year.
Most branded retail cards limit redemptions to brand or partner purchases, so the ability to redeem for statement credit adds flexibility for Shop Your Way cardholders. Still, general travel or cash-back cards can offer even more redemption options, such as direct deposit, travel bookings and more.
3. Additional perks are lacking
Beyond its rewards on spending and its Visa network protections, the card won’t get you much else in the way of perks.
According to Shop Your Way, cardholders will receive occasional limited-time bonus offers. But it's unclear how valuable or frequent these bonuses will be compared with those offered by the card’s predecessor.
4. Watch out for fees and interest
The card’s high-end APR for purchases was nearly 35% as of December 2025. That's much higher than the average rate on credit card accounts that incur interest. If you can, avoid carrying a balance from month to month so you’re not on the hook for paying interest.
Additionally, the Shop Your Way 5321 Visa Credit Card isn't the best option to take overseas. That’s because of its foreign transaction fee, which is 3% of each transaction in U.S. dollars. See NerdWallet’s list of credit cards that don’t charge foreign transaction fees for alternatives.
5. It’s separate from the old Shop Your Way Mastercard
The Shop Your Way 5321 card is a different product from the previously offered Shop Your Way Mastercard. That original Shop Your Way card — which launched in 2017 as a partnership between Citi and Sears — was discontinued in 2025, and cardholders were automatically moved to the Citi ThankYou Mastercard, which earns Citi ThankYou points.
Long a unique and popular retail credit card, the original Citi-issued Shop Your Way product was beloved thanks to its lucrative and recurring limited-time spending bonuses. Those bonuses often offered existing customers upwards of 15% cash back, making them potentially worth hundreds of dollars, depending on the promotion. In addition to its valuable offers, the card also earned high ongoing rewards in common spending categories, including gas, groceries and dining — though point values were also low. Unlike the updated version of the card, the previous option did not allow holders to redeem rewards for statement credit.
Note that to get the new Shop Your Way 5321 card, you must apply for it directly, even if you had the previous version.
