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Sears Mastercard Review 2026: Is the Shop Your Way Card Still Worth It?

"The financial landscape has shifted dramatically, yet the Sears Mastercard—now widely operated under the Shop Your Way brand—remains one of the most intriguing and highly debated store-branded credit cards on the market. Issued by Citibank (Citi Retail Services) and operating on the Mastercard payment network, this card has transitioned from a basic department store shopping tool into a powerful engine for strategic cash-back and rewards optimization. While the physical footprint of Sears department stores has contracted to a nominal handful of locations, the underlying financial product continues to thrive. This is primarily due to its robus..."

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