Rewards

When you use this card, you earn a percentage of your purchases back as points. There are four different rewards tiers, based on what you charge:

5% back on gas

3% back at restaurants and grocery stores

2% back at Sears and Kmart

1% back on all other purchases

There are a few things to remember here about earning rewards with this card. First, the 5% and 3% back categories are capped to the first $10,000 in combined purchases each calendar year. So once you hit that limit, your rewards rate will revert to 1% back until the next year begins. 

Also, not all purchases qualify for the 5% or 3% rewards rates. For instance, gas purchased at superstores or warehouse clubs earns 1% back instead. The same goes for groceries purchased at warehouse clubs or superstores. 

You do, however, have the potential to boost your rewards earnings by shopping through the Shop Your Way Card Link program. This program allows you to use your card to earn additional rewards at partner merchants, including GasBuddy, Uber, and Hotels by Shop Your Way. 

Shop Your Way is free to join, and if you aren’t already a member you’ll be automatically enrolled when you sign up for the Shop Your Way Mastercard. 


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the Rewards of The Shop Your Way Mastercard

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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