Shop Your Way Mastercard
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
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.
- Top category
- Gas
- Effective value
- 5%
- Annual fee
- $0
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 5x points.
What does the Shop Your Way Mastercard earn in each category?
Gas is the strongest category at 5% effective value (5x points at about 1 cents each). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Shop Your Way Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight gas.
Gas is the strongest category at 5% effective value (5x points at about 1 cents each). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Shop Your Way Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% |
| Grocery Supermarkets and grocery stores | 3x points | 3% |
| Gas Gas stations and fuel | 5x points | 5% Top category |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Shop Your Way 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.
- 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 5x points. Best for spenders who put meaningful volume in gas and can earn 5x points.
Shop Your Way Mastercard fits spenders who put meaningful volume in gas and can earn 5x points. 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 5x points.
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.
Pros
- Strongest Madeen category is gas at about 5% effective (5x points).
- 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.
- Shop Your Way value depends on how you redeem, not straight cash back.
Does the Shop Your Way Mastercard have an annual fee?
The Shop Your Way Mastercard has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- 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.
Mastercard Transit Benefit
$200/yrSave 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.
Instacart
$140/yrGroceries 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+.
Protection
$25/yrPrice Protection
Warranty
$25/yrExtended Warranty
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard 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.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the Shop Your Way Mastercard
Where do cardholders spend most with the Shop Your Way Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (5x), coffee (3x), fast food (3x) for the Shop Your Way Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
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.
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.
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.
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.
How do you redeem rewards on the Shop Your Way Mastercard?
Rewards on the Shop Your Way Mastercard post as Shop Your Way. Redemption value depends on how you use Shop Your Way (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
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 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for gas spend to see which cards win at checkout.
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Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure