Shop Your Way® 5321 Visa® Credit Card
- Best for: Drivers and commuters who spend heavily on gas, transit, and rideshares and will take their points as statement credits
- What Sets It Apart: 5% back in points on gas, electric vehicle charging, and everyday transit with no cap; points worth $1 per 1,000 as statement credits
- Cost: $0 annual fee; 3% foreign transaction fee; 19.99% to 34.99% variable APR
- Features: 5% on gas, electric vehicle charging, transit, rideshares, tolls, parking, and car washes; 3% on groceries, dining, and travel; 2% at Sears, Kmart, and other Shop Your Way merchants; 1% on everything else
- Pros: No earning caps; statement credits from 5,000 points; 3% on travel as well as groceries and dining
- Cons: Points expire at the close of the quarter in which they turn a year old; 1% outside the bonus categories; program terms can change, even for points already earned; invited members only for now, its FAQ says
Get the Shop Your Way® 5321 Visa® Credit Card if gas, transit, and rideshares take a big share of your spending. It pays 5% back in points on them with no cap or annual fee, and you can take the points as a credit on your bill. Redeem them at least once a year, since they expire.
First Bank & Trust issues this no-annual-fee Visa, which replaced Citi’s Shop Your Way Mastercard after Citi moved those accounts into its own rewards program in November 2025. Old cardholders have to apply, and the card suits drivers and commuters, not just Sears shoppers.
Key Features
- No annual fee; 3% foreign transaction fee
- 5% back in points on gas, electric vehicle charging, transit, rideshares, tolls, parking, and car washes; 3% on groceries, dining, and travel; 2% at Shop Your Way merchants such as Sears and Kmart; 1% elsewhere
- Points worth $1 per 1,000 as a statement credit (5,000-point minimum) or toward gift cards, and usable on purchases at Sears, Kmart, and other Shop Your Way merchants
- Any welcome offer shown only after you log in to Shop Your Way
- Variable purchase interest rate (APR) of 19.99% to 34.99%
Pros
- No cap on the points you earn in any category
- Statement credits at the full $1 per 1,000 points, so the points work like cash back
- 3% on airfare, hotels, rental cars, and cruises as well as groceries and dining
Cons
- Points expire at the close of the calendar quarter in which they turn a year old
- Shop Your Way can change the program at any time, even for points already earned
- Only 1% outside the bonus categories, half what a flat 2% card pays
- Shop Your Way’s FAQ says only invited members can apply for now
Drivers and commuters who take the points as statement credits get the most from it, since $300 a month on gas, transit, and rideshares earns $180 a year here, against $72 from a flat 2% card.
If most of your spending falls outside its bonus categories, choose a no-fee cash back credit card that pays a flat 2% instead.
Learn more about the Shop Your Way® 5321 Visa® Credit Card or see how it compares to the best gas credit cards.
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