The Shop Your Way program is free and without obligation and participation in the Shop Your Way Program is subject to the terms and conditions available for review at www.shopyourway.com/terms. When you link your Shop Your Way number to your Sears Mastercard®, subject to the terms and conditions of the Shop Your Way Program, you will earn 1% in points on purchases made with the Sears Mastercard for 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 Program Stores ("base points"). However, no points are awarded for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare fees, interest charges and credit card fees. To discontinue participation in this program at any time, call (800) 991-8708. The Shop Your Way program is offered by Transform SR Holding Management LLC. Please note: As a Shop Your Way Member, you authorize Citibank to report to Transform SR Holdings LLC and its affiliates purchases made using the Sears Mastercard. The Shop Your Way Additional Category Earn Program is not transferable and is subject to credit approval. The Shop Your Way Additional Category Earn Program is subject to the Membership Terms and Conditions for the Shop Your Way Program located at www.shopyourway.com/terms (the “SYW Terms & Conditions”). Your Shop Your Way member number must be linked to your Shop Your Way Mastercard® in order to participate in the Shop Your Way Additional Category Earn Program. Defined terms herein have the same meaning as contained in the SYW Terms & Conditions. You have the opportunity to earn Shop Your Way Global Points when you use your Shop Your Way Mastercard® for eligible purchases. Whenever a percentage back in Points is stated herein, such percentage includes any Card Base Points (as defined below) and SYW Merchant Base Points. When Card Point and Merchant Base Point offers are combined, total Points earned will be less than the combined Point totals for each individual offer. You may only earn 5% back in Shop Your Way Global Points on eligible gas station purchases and 3% back in Shop Your Way Global Points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 per calendar year and then 1% thereafter. The limit on Points that may be earned on eligible gas station, restaurant and grocery store purchases will be reset each December 31st, and eligible purchases made in such categories after that date will again be eligible to earn Card Extra Points until the limit is again reached. 5% 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.) Certain Non-Eligible Purchases. You will only earn 1% back in Card Base Points, not 5%, for gas purchased at superstores, supermarkets, convenience stores and warehouse clubs or for fuel used for non-automobile purposes. 3% 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.) Certain Non-Eligible Purchases. You will only earn 1% in Card Base Points, not 3%, for restaurant purchases made at bakeries and certain restaurants/cafes inside department stores, grocery or warehouse clubs, and for grocery purchases made at superstores, convenience stores, gas stations, warehouse clubs, and discount stores. 2% 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.) A list of current participating Shop Your Way Merchants is located at www.shopyourway.com/partner-terms. 1% 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”). No points are awarded or can be redeemed for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare® fees, interest charges and credit card fees. Except as otherwise determined by Transform SR Holding Management LLC in its sole discretion, Members may redeem Shop Your Way Global Points on all Program-Eligible Purchases at Shop Your Way Merchants except for purchases of prescriptions. Points will post to your Shop Your Way account within approximately one week after the eligible purchase is made. Points can be redeemed at checkout in-store or online. Exclusions apply. For Point redemption and expiration terms, visit www.shopyourway.com/terms. Merchants must submit charges under the appropriate merchant code or industry code for you to receive the Points. We do not determine whether merchants appropriately identify all transactions you make on your account but we do reserve the right to determine which purchases qualify for Points. By accepting Shop Your Way member benefits and offers, you agree to the Shop Your Way terms and conditions, available at www.shopyourway.com/terms. The Shop Your Way Program is offered by Transform SR Holding Management LLC. Citibank is not responsible for products or services offered by other companies. To discontinue participation in the Shop Your Way Programs at any time, call Shop Your Way at: (847) 766-0361 during regular business hours or by email sywsolutions@syw.com. For TTY: Use 711 or other Relay Service.Shop Your Way Additional Category Earn Program
The Shop Your Way Additional Category Earn Program is not transferable and is subject to credit approval. The Shop Your Way Additional Category Earn Program is subject to the Membership Terms and Conditions for the Shop Your Way Program located at www.shopyourway.com/terms (the “SYW Terms & Conditions”). Your Shop Your Way member number must be linked to your Shop Your Way Mastercard® in order to participate in the Shop Your Way Additional Category Earn Program. Defined terms herein have the same meaning as contained in the SYW Terms & Conditions. You have the opportunity to earn Shop Your Way Global Points when you use your Shop Your Way Mastercard® for eligible purchases. Whenever a percentage back in Points is stated herein, such percentage includes any Card Base Points (as defined below) and SYW Merchant Base Points. When Card Point and Merchant Base Point offers are combined, total Points earned will be less than the combined Point totals for each individual offer. You may only earn 5% back in Shop Your Way Global Points on eligible gas station purchases and 3% back in Shop Your Way Global Points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 per calendar year and then 1% thereafter. The limit on Points that may be earned on eligible gas station, restaurant and grocery store purchases will be reset each December 31st, and eligible purchases made in such categories after that date will again be eligible to earn Card Extra Points until the limit is again reached. 5% 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.) Certain Non-Eligible Purchases. You will only earn 1% back in Card Base Points, not 5%, for gas purchased at superstores, supermarkets, convenience stores and warehouse clubs or for fuel used for non-automobile purposes. 3% 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.) Certain Non-Eligible Purchases. You will only earn 1% in Card Base Points, not 3%, for restaurant purchases made at bakeries and certain restaurants/cafes inside department stores, grocery or warehouse clubs, and for grocery purchases made at superstores, convenience stores, gas stations, warehouse clubs, and discount stores. 2% 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.) A list of current participating Shop Your Way Merchants is located at www.shopyourway.com/partner-terms. 1% 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”). No points are awarded or can be redeemed for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare® fees, interest charges and credit card fees. Except as otherwise determined by Transform SR Holding Management LLC in its sole discretion, Members may redeem Shop Your Way Global Points on all Program-Eligible Purchases at Shop Your Way Merchants except for purchases of prescriptions. Points will post to your Shop Your Way account within approximately one week after the eligible purchase is made. Points can be redeemed at checkout in-store or online. Exclusions apply. For Point redemption and expiration terms, visit www.shopyourway.com/terms. Merchants must submit charges under the appropriate merchant code or industry code for you to receive the Points. We do not determine whether merchants appropriately identify all transactions you make on your account but we do reserve the right to determine which purchases qualify for Points. By accepting Shop Your Way member benefits and offers, you agree to the Shop Your Way terms and conditions, available at www.shopyourway.com/terms. The Shop Your Way Program is offered by Transform SR Holding Management LLC. Citibank is not responsible for products or services offered by other companies. To discontinue participation in the Shop Your Way Programs at any time, call Shop Your Way at: (847) 766-0361 during regular business hours or by email sywsolutions@syw.com. For TTY: Use 711 or other Relay Service.Shop Your Way Additional Category Earn Program
Some information and features are not available yet—but don’t worry. It may take up to 3 business days for your full online experience to be ready.
Until then, feel free to explore, and enjoy your new Shop Your Way Mastercard®.
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Note: No funds will be transferred at this time. Setting up Online Bill Payment authorizes your bank to transfer funds from your account only when you complete a payment request each month. You can make an Online Payment once you enroll. Your payment will credit to your account as described in the paragraph titled "Same Day Crediting". If you use a bank account for the first time, we may hold the available line of credit equal to the payment for up to 3 business days. You can only make one online payment per day. You may schedule future payments as far as 45 days in the future.Enrollment or Changing Bank Account
Payments
If you do not make one Online Payment at least once every eighteen (18) months, you may have to re-register your bank account as though using it for the first time.
If a scheduled payment exceeds the current balance at the time of execution, you agree that we will reduce the scheduled payment amount to the amount of your current balance.
Same Day Crediting
The payment cutoff time for Online Bill and Phone Payments is midnight ET. This means we will credit your account as of the calendar day, based on Eastern Time, that we received your payment request. If we receive your request to make an online payment after that time, we will credit your payment as of the next day.
Any payment made on a weekend or holiday will be applied as of the day you make it. However, it will not be posted until the next business day.
Please note that there may be a delay between the time your payment is posted and the amount of your available credit is updated.
If any electronic payment is returned unpaid by your financial institution for any reason, we may charge, and you agree to pay, a returned payment fee. You may also be charged a late fee based on the terms and conditions of your Card Agreement. Subsequent scheduled payments may also be canceled.
Authorization
By authorizing Online Bill Pay, I authorize Citibank, N.A. to initiate an electronic payment from my bank account and I authorize my bank to honor the withdrawal. This authority is for my Shop Your Way Mastercard® account noted above and is to remain in effect until canceled in writing by Citibank, N.A., my financial institution, or me.
At Citi Cards, we are dedicated to protecting your privacy. We want you to feel comfortable about giving us your email address. The following Email Policy was developed to help you understand how we use email and what your choices are. When you give us your email address, we may then send you emails on a variety of subjects, such as: We believe you should be able to choose what kinds of information you receive. Thus, if you do not want to receive marketing material by email, just indicate your preference on your email profile. If you do so, please note that you could continue to receive some marketing information until your request is processed. Please keep in mind that Citi reserves the right to continue to notify you by email regarding your account.Email Privacy
How We Use Email
• General notices or important news about your account (rest assured your account number would never be included)
• Updates on special deals and offers that might interest you
• Opportunities to provide feedback or complete online surveys, so you can tell us what you think.Your Choices
Important Note:
To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. Enrollment in Credit Card Paperless Statements and Other Communications We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. Minimum System Requirements Getting Paper Copies Cancelling Paperless Statements and Other Communications You may cancel by updating your settings on the Paperless Settings page of your account online or by calling us at the number on your statement or the back of your card. Updating Email Address We will send notifications regarding the availability of your statement and legal notices online to the email address you provide to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on your statement or the back of your card. Credit Card Paperless Statements and Other Communications Authorization I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically. If I later let you know that I wish to receive either my statements or other legal notices in paper form, these terms will not apply to those documents. You will receive paperless notifications at the email address currently associated with your account(s).
To receive your legal notices electronically, your device must be capable of printing or storing email, web pages and documents in PDF format, and you must use a browser with at least 128-bit security encryption to enroll.
If you choose to receive legal notices and statements electronically and want a paper notice, call us at the number on your statement or the back of your card and we will mail it to you.
To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. Enrollment in Credit Card Paperless Statements and Other Communications We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. Minimum System Requirements Getting Paper Copies Cancelling Paperless Statements and Other Communications You may cancel by updating your settings on the Paperless Settings page of your account online or by calling us at the number on your statement or the back of your card. Updating Email Address We will send notifications regarding the availability of your statement and legal notices online to the email address you provide to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on your statement or the back of your card. Credit Card Paperless Statements and Other Communications Authorization I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically. If I later let you know that I wish to receive either my statements or other legal notices in paper form, these terms will not apply to those documents. You will receive paperless notifications at the email address currently associated with your account(s).
To receive your legal notices electronically, your device must be capable of printing or storing email, web pages and documents in PDF format, and you must use a browser with at least 128-bit security encryption to enroll.
If you choose to receive legal notices and statements electronically and want a paper notice, call us at the number on your statement or the back of your card and we will mail it to you.
To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. Enrollment in Credit Card Paperless Statements and Other Communications We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. Minimum System Requirements Getting Paper Copies Cancelling Paperless Statements and Other Communications You may cancel by updating your settings on the Paperless Settings page of your account online or by calling us at the number on your statement or the back of your card. Updating Email Address We will send notifications regarding the availability of your statement and legal notices online to the email address you provide to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on your statement or the back of your card. Credit Card Paperless Statements and Other Communications Authorization I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically. If I later let you know that I wish to receive either my statements or other legal notices in paper form, these terms will not apply to those documents. You will receive paperless notifications at the email address currently associated with your account(s).
To receive your legal notices electronically, your device must be capable of printing or storing email, web pages and documents in PDF format, and you must use a browser with at least 128-bit security encryption to enroll.
If you choose to receive legal notices and statements electronically and want a paper notice, call us at the number on your statement or the back of your card and we will mail it to you.
To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. Enrollment in Credit Card Paperless Statements and Other Communications We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. Minimum System Requirements Getting Paper Copies Cancelling Paperless Statements and Other Communications You may cancel by updating your settings on the Paperless Settings page of your account online or by calling us at the number on your statement or the back of your card. Updating Email Address We will send notifications regarding the availability of your statement and legal notices online to the email address you provide to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on your statement or the back of your card. Credit Card Paperless Statements and Other Communications Authorization I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically. If I later let you know that I wish to receive either my statements or other legal notices in paper form, these terms will not apply to those documents. You will receive paperless notifications at the email address currently associated with your account(s).
To receive your legal notices electronically, your device must be capable of printing or storing email, web pages and documents in PDF format, and you must use a browser with at least 128-bit security encryption to enroll.
If you choose to receive legal notices and statements electronically and want a paper notice, call us at the number on your statement or the back of your card and we will mail it to you.
Rewards Program Information
Rebates
The alerting service allows you to request and receive messages about your credit card account(s). By enrolling in or editing Alerts, you can subscribe to daily, weekly, or monthly account update notifications such as account balance, payment due, and payment posted, via SMS text messaging. Alerts will come from Shop Your Way Mastercard® Credit Card Alerts, and you can text STOP to 21431 to stop Alerts, or text HELP to 21431 to receive help. For questions about the services provided, you can call 1-877-816-9063. Message and data rates may apply, and message frequency varies by account settings. Alerts are supported by most major mobile providers in the US, including AT&T, Verizon, T-Mobile (T-Mobile is not liable for delayed or undelivered messages) and Sprint. See our list of supported providers. Subject to the terms and conditions of your Internet service provider or mobile carrier, you may receive alerts from us via email sent to computers and/or mobile phones (supported by certain mobile phone carriers only), as well as text messages sent to your mobile phone. As a condition to using and receiving Account Alerts, you consent to receiving, from us, automatically dialed text messages on your mobile phone at the mobile phone number you provide. If you have any questions regarding privacy, please read our privacy policy. Alerts are effective as soon as you set them up in Account Online. You accept that each alert may not be encrypted, and may include your name and information pertaining to your account(s). Receipt of each alert may be delayed, or prevented by factors affecting your Internet service provider, mobile carrier, and/or other factors outside of our control. Neither we, nor our affiliates, will be liable for losses or damages arising from (a) non-delivery, delayed delivery, or misdirected delivery of an alert; (b) inaccurate or incomplete content in an alert; or (c) your use or reliance on the contents of any alert for any purposes. We reserve the right to terminate the alerting service, in whole or in part, at any time without notice. The information in any alert may be subject to certain time lags and/or delays. The types and timing of your alerts will be managed by you, and the alerts may be stopped or suspended by you at any time. By enrolling in, or editing wireless alerts you previously enrolled in, you agree to the Terms and Conditions.Authorization
For enhanced security, your Password, User ID and the Security Word you provided when you applied for your card should be different from each other. A unique User ID helps safeguard your account and secure personal information.User ID guidelines
User ID requirements
User ID restrictions
Password guidelines
A secure Password is easy for you to remember, but difficult for others to guess.
Don’t share your Password with anyone — ever. Password requirements
Your Password must contain:
Note: Passwords are case sensitive. Password restrictions
Password tips
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What to Expect with Your New Upgrade
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We’ll keep you in the loop with notifications if there are any next steps on your end.
You are editing the email address for your Credit Profile. This will change where you receive your credit notification emails, such as "Your Courtesy Statement."
This will not change the email you use to sign intoshopyourway.com shopping account.
