Shop Your Way

Shop Your Way

Loyalty rewards program and co-branded credit card

Overview

Shop Your Way is a consumer loyalty rewards program offered by Transform SR Brands, the company that holds the Sears and Kmart retail brands. Members earn points on everyday purchases at partner merchants such as Sears, Kenmore, and Sears Home Services, and through the co-branded Shop Your Way 5321 Visa Credit Card, which awards bonus points on gas, EV charging, rideshare, groceries, dining, and travel. Points can be redeemed for gift cards from hundreds of retail brands or applied as a statement credit on the card. What sets Shop Your Way apart is its layered rewards structure, stacking base earnings, partner bonuses, and monthly challenges so members build points faster across everyday spending. The goal is to give shoppers a flexible, fee-free way to earn and redeem rewards.

About Shop Your Way

Simplify's Rating
Why Shop Your Way is rated
C-
Rated C on Competitive Edge
Rated C on Growth Potential
Rated D+ on Differentiation

Industries

Company Size

N/A

Company Stage

N/A

Total Funding

N/A

Headquarters

Hoffman Estates, Illinois

Founded

2009

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Simplify's Take

What believers are saying

  • August 2026 site updates show active product investment and continued feature shipping.
  • March 2026 reopened public applications, expanding acquisition after an invite-only period.
  • Way.com and expanding partners extend rewards into parking, car washes, rideshare, and travel.

What critics are saying

  • November 2025 Citi ended the old card, proving issuer dependence and churn risk.
  • Transformco's Sears and Kmart base is shrinking, limiting merchant-network relevance by 2027.
  • If partner acquisition stalls, Shop Your Way becomes a dead rewards shell.

What makes Shop Your Way unique

  • September 2026, Shop Your Way bundles merchant, partner, and card rewards into one program.
  • August 2026, the app added statement credits and more redemption options.
  • The 5321 Visa offers 5-3-2-1 rewards beyond traditional retail co-brands.

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Company News

Investor Times
Feb 14th, 2024
Shop Your Way Citi Login

Seamless Integration: Shop Your Way has partnered with Citi to provide customers with a user-friendly and seamless shopping experience.

Newswire
Sep 27th, 2022
Way.Com Unlocks New Ways For Users To Save With Shop Your Way Partnership

Way.com announced today a new partnership with Shop Your Way, a leading rewards and loyalty platform that will deepen the breadth of assortment for their users and unlock new ways to save money. Starting today, Way.com users can opt-in to earn new rewards, made possible through the launch of their partnership with Shop Your Way (SYW). This partnership gives Way.com users the option to become a Shop Your Way member or apply for the Shop Your Way Mastercard®, issued by Citibank, N.A., growing their opportunities to earn points and rewards

FinTech Global
Apr 7th, 2022
WealthTech Unifimoney raises $10m seed financing

Unifimoney, a turnkey digital wealth management platform for community banks and credit unions, has bagged $10m from a seed funding round.

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