Big changes are coming for Shop Your Way® credit card holders. As of November 3, 2025, the Citi Sears and Citi Shop Your Way (SYWR) cards have officially been converted to Citi ThankYou® cards. But there’s good news for those who loved earning Shop Your Way rewards — there’s a brand-new credit card coming soon: the Shop Your Way® 5321 Visa® Credit Card, issued by First Bank & Trust.
The New Shop Your Way® 5321 Visa® Credit Card: Overview
The new Shop Your Way® 5321 Visa® Credit Card is designed to reward you for everyday spending, travel, and commuting. With a new earning structure and expanded categories, this card aims to keep the Shop Your Way rewards ecosystem alive after Citi’s transition.
Here’s what the new 5321 Visa offers:
- 5% back on Gas, EV Charging, Tolls, Car Washes, Transit, and Rideshare (Uber, Lyft, etc.)
- 3% back on Dining, Groceries, and Travel (Flights, Hotels, Rental Cars)
- 2% back on Shop Your Way® Partner Purchases
- 1% back on All Other Purchases
That’s a significant expansion beyond the old program, which only rewarded gas, groceries, and dining.
Important Program Update for Current Cardholders
If you currently hold the Shop Your Way® Mastercard®, note that purchases made after November 3, 2025, no longer earn Shop Your Way® Points. That’s because Citi replaced the card with the Citi ThankYou® Mastercard®, shifting users into the ThankYou Rewards ecosystem.
To keep earning Shop Your Way Points, you’ll need to apply for the new Shop Your Way® 5321 Visa® Credit Card once applications open soon.
Why “5321”?
The name “5321” represents the reward structure tiers — 5%, 3%, 2%, and 1% — showing you how your spending categories are prioritized. It’s a catchy way to remember where you earn the most back.
Additional Features and Benefits
The new card also brings enhanced flexibility and convenience:
- Redeem your rewards for gift cards, statement credits, and new options coming in 2026.
- Add your card to Apple Pay® or Google Pay™ for secure and fast mobile payments.
- Over $3.3 billion in rewards have already been redeemed by Shop Your Way members — showing how valuable this ecosystem continues to be.
What About the Citi SYWR Cardholders?
Citi has purchased the backbook of Sears and SYWR cards and has automatically converted those accounts into Citi ThankYou® Cards. This new Shop Your Way 5321 Visa is not an automatic conversion — it’s a separate, brand-new application.
Many users are wondering whether this new card will include ongoing spend bonuses or promotions like the old Citi version did.
So far, there’s no word on special earning multipliers or signup bonuses — but we’ll update as soon as more details are announced.
Bottom Line
The Shop Your Way® 5321 Visa® Credit Card represents a fresh start for the Shop Your Way rewards program. While Citi transitions its portfolio to ThankYou Rewards, this new card keeps the Shop Your Way ecosystem alive and relevant — with improved earning categories that reflect how people spend today.
If you loved earning rewards on gas, groceries, and travel with your old SYWR card, the new Shop Your Way® 5321 Visa® could be your next move.
👉 Learn more and sign up for updates here: ShopYourWay.com/teaser