Shop Your Way Mastercard® - New Account

*Up to $225 in Statement Credits Offer on new Shop Your Way Mastercard® credit cards only.

Earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases* made wherever Mastercard® is accepted in the first 90 days after you are approved for a new Shop Your Way Mastercard®. Valid on new accounts opened 5/8/22 - 1/28/23. See terms and conditions.

This offer is only available for new Shop Your Way Mastercard® accounts opened 5/8/2022–1/28/2023, is not transferable and is subject to credit approval. Receive a $75 statement credit each time eligible purchases made with your new Shop Your Way Mastercard total $500 or more and post to your new account within the first 90 days of account opening, up to maximum total value of $225 in statement credits for this offer. The following types of transactions do not qualify as eligible purchases: use of checks that access your Shop Your Way account, balance transfers, cash advances, traveler’s checks, foreign currency purchases, money orders, wire transfers, and similar cash-like transactions, lottery tickets, gaming chips and similar betting transactions; interest and account fees; unauthorized charges; and items returned for credit. The Shop Your Way Mastercard account must be current and open at the time we determine whether you qualify for the statement credit(s) in order to receive the statement credit(s). Please allow 4-8 weeks following the end of the promotional period for the statement credits(s) to be added to your account. Valid on new accounts only. Limit one new account offer per account. Offer subject to change without notice. Offer at participating locations only and may vary. Restrictions apply.

†Purchase requirement less coupons, discounts and reward certificates and does not include tax, installation, shipping or fees, and must be made in a single transaction. For online transactions you must select the Savings offer or Special Financing offer on the payment page in checkout. See store or sears.com for details.

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**As of 11/8/22, the APR for purchases (and for the Shop Your Way Mastercard®, the APR for balance transfers) is 28.99% and the APR for cash advances is 29.99%. These APRs will vary with the market based on the Prime Rate. The Minimum Interest Charge is $2. The cash advance fee is 5% of each transaction; minimum $5. For the Shop Your Way Mastercard, the balance transfer fee is 5% of each transaction, minimum $10, and the transaction fee for foreign purchases is 3% of each purchase transaction in U.S. dollars. See card agreement for details.

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Special Financing Offer Details & Exclusions

10% OFF ON SELECT HOME APPLIANCE PURCHASES* OF $599 OR MORE WITH QUALIFYING SHOP YOUR WAY OR SEARS CREDIT CARD​
OR
NO INTEREST IF PAID IN FULL WITHIN 18 MONTHS

On select home appliance purchases* of $999† or more with a qualifying Shop Your Way of Sears credit card. 
Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 18 months.


Offer valid 10/30/22 –1/7/23. 

5% OFF ON SELECT SITEWIDE PURCHASES* WITH QUALIFYING SHOP YOUR WAY OR SEARS CREDIT CARD​
OR
NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS​

On select sitewide purchases* of $299† or more with a qualifying Shop Your Way of Sears credit card. 
Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months.

Offer valid 1/30/22 –1/28/23. 

*See disclosures and exclusions. As of 11/8/2022, Instant Savings or Deferred Financing excludes:

EXCLUSIONS THAT APPLY TO ALL CATEGORIES:

Excludes Clearance merchandise, Everyday Great Price, Unilateral Pricing Policy (UPP), Parts & Repair Center, Sears licensed businesses, installed home improvements and repair services, protection agreements, gift cards, Sears Marketplace purchases, and Layaway Contracts. Subject to change. Excludes Sears Hometown Stores, searshometownstores.com, Kmart and kmart.com. Sears Home Improvement Account(SM) applies on installed merchandise only.

EXCLUSIONS THAT APPLY TO SPECIFIC CATEGORIES:HOME APPLIANCES: 

Excludes home appliance closeouts.

MATTRESS: Excludes 0% APR transactions, Beautyrest Black, Beautyrest Platinum, Beautyrest Silver Hybrid, iComfort, Tempur Pedic, Adjustable Bases, Nectar, Sealy Hybrid, Sealy Conform, Stearns & Foster

AUTOMOTIVE: Excludes auto closeouts and Smart Buy

LAWN & GARDEN: Excludes generators, propane tanks and exchanges

FINE JEWELRY: Excludes Special Value Watch items and Introductory Offers

CLOTHES: Excludes Best Member Deals, WOW Items, Insane Deals, Deal Flash, Levi’s®, Jansport, Regatta, baby gear/furniture, fragrances/cosmetics

SHOES: Excludes Best Member Deals, WOW Items, Insane Deals, Deal Flash, work boots & work shoes

HOME GOODS: Excludes Best Member Deals, WOW items, Insane Deals, Deal Flash, “As Seen On TV”, Serta iComfort Pillow,
Tempurpedic Tempur Pillows

FURNITURE: Excludes closeouts, Best Member Deals, WOW items, Insane Deals, Deal Flash, Smart Buy

CONSUMER ELECTRONICS: Excludes video game hardware, BOSE®, prepaid calling cards, iTunes, Canon® DSLR, Nikon® DSLR and lenses, computers, converter boxes, tablets, eReaders, streaming players, Belkin WeMo, Philips Hue, Samsung®, Sharp®, LG®, Sony® and Withings

TOOLS/OUTDOOR LIVING/SEASONAL/FITNESS/SPORTING GOODS & GAME ROOM: Not valid on generators, propane tanks and exchanges.†Purchase requirement less coupons, discounts and reward certificates and does not include tax, installation, shipping or fees, and must be made in a single transaction. For online transactions you must select the Savings offer or Special Financing offer on the payment page in checkout. See store or sears.com for details. 

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IMPORTANT DEFERRED INTEREST PROMOTIONAL DETAILS (when offered):No interest if paid in full within the promotional period. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.

**With credit approval, for qualifying purchases made on a Shop Your Way or Sears credit card. Sears Home Improvement Account (SM) valid on installed sales only. Offer valid for consumer accounts in good standing and is subject to change without notice. May not be combined with other Shop Your Way or Sears credit card offers. Shop Your Way and Sears credit cards: As of 11/8/2022, APR for purchases: Variable 9.90% -28.99% or non-variable 5.00% – 26.49%. Minimum interest charge: up to $2. See card agreement for details, including the APRs and fees applicable to you.

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Shop Your Way and Sears credit cards are issued by Citibank, N.A. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Citi and Arc Design is a registered service mark of Citigroup Inc. Shop Your Way and related logos, are used with permission and under license from Transform SR Brands LLC. The Contactless Indicator mark, consisting of four graduating arcs, is trademark owned by and used with permission of EMVCo, LLC. Citibank is not responsible for products or services offered by other companies.