Shop Your Way Mastercard
The Shop Your Way Mastercard from Citi earns up to 5% effective value on gas in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 5%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Shop Your Way Mastercard earn in each category?
Gas is the strongest category at 5% effective value (5% back). That gas rate ranks higher than about 99% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 5% effective value (5% back). That gas rate ranks higher than about 99% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% |
| Grocery Supermarkets and grocery stores | 3% back | 3% |
| Gas Gas stations and fuel | 5% back | 5% Top category |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Shop Your Way Mastercard reward caps and conditions?
The Shop Your Way Mastercard has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 3% in points on eligible purchases at restaurants **On the first $10,000 of combined gas, grocery store, and restaurant purchases per calendar year Capped at $10000 per year.
- 5% in points on eligible purchases at gas stations **On the first $10,000 of combined gas, grocery store, and restaurant purchases per calendar year Capped at $10000 per year.
- 3% in points on eligible purchases at grocery stores **On the first $10,000 of combined gas, grocery store, and restaurant purchases per calendar year Capped at $10000 per year.
Who should get the Shop Your Way Mastercard?
The Shop Your Way Mastercard fits spenders who put meaningful volume in gas and can earn 5% back. Best for spenders who put meaningful volume in gas and can earn 5% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Shop Your Way Mastercard fits spenders who put meaningful volume in gas and can earn 5% back. Madeen ranks its gas effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 5% back.
Foreign transaction fees make it weaker for international spend.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is gas at about 5% effective (5% back).
- That gas rate ranks higher than about 99% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the Shop Your Way Mastercard have an annual fee, and what's the welcome bonus?
The Shop Your Way Mastercard has an annual fee of $0 and a foreign transaction fee of $3. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Shop Your Way Mastercard?
The Shop Your Way Mastercard includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Global emergency servicesIncluded with Standard Mastercard
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with Standard Mastercard
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with Standard Mastercard
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
- Mastercard ID Theft ProtectionIncluded with Standard Mastercard
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
- Mastercard Music and Entertainment Access benefitIncluded with Standard Mastercard
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
- Mastercard Transit BenefitIncluded with Standard Mastercard
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
- Protection
Price Protection
- Protection wherever you shopIncluded with Standard Mastercard
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Common questions about the Shop Your Way Mastercard
Does the Shop Your Way Mastercard have an annual fee?
The Shop Your Way Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Shop Your Way Mastercard?
Gas is the strongest Madeen category for the Shop Your Way Mastercard at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Shop Your Way Mastercard charge foreign transaction fees?
The Shop Your Way Mastercard charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Shop Your Way Mastercard?
Madeen's catalog lists a typical credit range of Good for the Shop Your Way Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Shop Your Way Mastercard?
Rewards on the Shop Your Way Mastercard post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Shop Your Way Mastercard?
To maximize the Shop Your Way Mastercard, route gas and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Shop Your Way Mastercard compare to similar cards?
Compare the Shop Your Way Mastercard against Citi Simplicity Cash (5% on Gas, $0 fee); Costco Anywhere Visa (4% on Gas, $0 fee); Costco Anywhere Visa Business (4% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Shop Your Way Mastercard This card | Gas | 5% | $0 |
| Gas | 5% | $0 | |
| Gas | 4% | $0 | |
| Gas | 4% | $0 | |
Citi | Gas | 3% | $0 |
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