Shop Your Way Credit Card Gets Makeover, Adds Bonus Categories
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
The beloved Shop Your Way Mastercard is getting a new life.
In 2025, it was announced that the unique card, originally launched as a partnership between Citi and Sears, was going away. Now, a new version is launching, and the makeover includes a new name, new issuer and new reward categories.
The new Shop Your Way 5321 Visa Credit Card is launching in partnership with the credit card management and servicing company Fidem Financial and issuer First Bank & Trust. It will be open for applications on Nov. 14, 2025.
The Shop Your Way 5321 card will offer many of the same benefits the previous card version did, including elevated gas and dining rewards, and bonus points for shopping with Shop Your Way merchants. Plus, the new version will earn rewards on travel spending and will give cardholders the option to redeem rewards for statement credit — features that the prior version did not offer.
Note that this is a separate card from the previous Citi-issued Shop Your Way Mastercard. Holders of that original card will be moved to another Citi-issued Mastercard in November 2025. To get the new Shop Your Way 5321 card, you must apply for it directly, regardless of whether you had the previous version.
Shop Your Way 5321 Card: Basics
Annual fee: $0.
Welcome bonus: Bonus offers will vary.
Rewards:
5% back in Shop Your Way points on eligible gas, EV charging and everyday transportation purchases. (Everyday transportation purchases include public transit, taxis, rideshare, car washes, parking and tolls.)
3% back in points on dining, groceries and travel. (Travel includes airfare, hotels, cruises, car rental, timeshares and travel agencies.)
2% back in points on eligible Shop Your Way merchant purchases.
1% back in points on all other purchases.
Additional benefits:
Should I get the new Shop Your Way card?
On the plus side, the updated Shop Your Way card includes EV charging and everyday transportation purchases among its 5x categories, plus it now earns elevated rewards on travel spending. In addition, unlike the previous version, there's no cap on any of its reward categories, and cardholders can also now redeem rewards for statement credit, not solely for in-store or online Shop Your Way purchases or things like gift cards.
However, as was the case with the older Shop Your Way card, point values are subpar. With the Shop Your Way 5321 Card, 1,000 points are equal to $1, which means that points have a value of 0.001 cent each — far below the industry standard of a full penny per point.
But a major reason that the previous Shop Your Way Mastercard was so beloved was because of its recurring limited-time bonuses — which often offered existing customers upwards of 15% cash back. It’s unclear whether the new version will feature similarly lucrative bonuses, but Shop Your Way says there will be limited-time offers.
Information related to the Shop Your Way Mastercard and the Shop Your Way 5321 Visa Credit Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.