Citi Double CashCiti
Terms checked 2026-10-22
2% on eligible purchases: 1% when you buy and 1% as you pay
20,000 pts bonus (≈$200)AF: $0Rating: 8.3/10
Citi Shop Your Way Mastercard
By Alex Compton · Last verified
The legacy Citi Mastercard and newer Shop Your Way 5321 Visa have different issuers and account portals.
★ 7.5/10CitipersonalShop Your Way Points
DiscontinuedBest for: Existing holders checking the legacy card transition
What happened to the Citi Shop Your Way Mastercard?
The official transition FAQ says Citi began renaming the Mastercard and moving it to Citi’s rewards program on November 3, 2025. Existing Shop Your Way points remain subject to their usual expiration schedule. The loyalty program did not disappear with the old card branding.
Official transition FAQLooking for your Shop Your Way card login or payment page?
For the old Citi card, follow your current statement or call the number on the card. Shop Your Way membership and points are managed separately. The newer 5321 Visa uses Finance Your Way for card servicing. Match the issuer before entering credentials.
Account-management and transition instructionsThe 5321 Visa is a separate product
Shop Your Way announced the newer Visa with First Bank & Trust, Brookings, South Dakota as issuer. Its published launch rewards included transportation, grocery, dining and travel categories. That does not change the agreement on an existing Citi Mastercard. Use the current application to check eligibility and terms; do not assume an older launch announcement guarantees approval or an available bonus.
Shop Your Way’s official Visa launch announcementWhy older reviews show different rewards
Citi’s 2018 announcement described 5% back in points on gas and 3% on groceries and restaurants, sharing a $10,000 annual cap before falling to 1%. It also listed 2% at Sears and Kmart and 1% elsewhere. These historical terms explain older reviews; they are not the terms of every replacement card.
Citi’s historical rewards announcementReview details and sources updated 2026-10-23
This review covers the legacy product and account transition. Historical terms retain their original verification date.
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$0
Last recorded · 3% FTF
Credit Score
N/A
(legacy product)
Common Questions
Did the Shop Your Way rewards program shut down?
No. The official transition FAQ says existing points remain in members’ accounts under their usual expiration rules.
Do existing Citi cardholders automatically receive the 5321 Visa?
No. The new Visa requires a separate application and approval.
Where do I manage an old Citi Shop Your Way card?
Use the instructions on your current Citi statement or call the number on your card. The new Visa’s Finance Your Way portal is a separate service.
Who issues the Shop Your Way 5321 Visa?
First Bank & Trust, Brookings, South Dakota issues the newer Visa. It is distinct from the legacy Citi Mastercard.
Can I use the old rewards rates to evaluate my replacement card?
Use your current card agreement. The historical Citi rates shown here explain the former product, and targeted promotions have their own terms.
Open Alternatives
The Citi Shop Your Way Mastercard is no longer open to new applicants. Compare these cards for a similar use.
Terms checked 2026-10-12
5% on Costco gas and 4% everywhere else you fill up.
Special bonusAF: $0Rating: 7.9/10
Citi Strata CardCiti
Terms checked 2026-11-02
The no-fee entry to ThankYou points with a category you pick yourself.
20,000 pts bonus (≈$360)AF: $0Rating: 7.6/10
Historical Offers Chart
Dated offer history for this discontinued product.
Sign-Up Bonus (points)Spending Requirement ($)
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Offer ended: 22,500 → 0 · Spend: $1,500 → $0 · Window: 3 months → 0 monthsHistorical record of the legacy Citi product | Archive record · no attached snapshot |
| 2023-06 | 22,500 | $1,500 in 3 mo | Earliest record$225 cash bonus era while applications were still open | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Checked historical percentage rewards and combined 10000 dollar cap; added missing Sears and Kmart tier. These historical rates are not promoted as current replacement-card terms.
Fields: earningRates, benefits, editorialReview
Citi 2018 historical rewards announcement → - changed
Corrected the unsupported rewards-program shutdown and universal December 31 conversion claims. Official FAQ dates Citi transition from November 3, 2025, preserves existing points subject to expiration, and requires separate application for the new Visa. Legacy financial verification date and discontinued status preserved.
Fields: tagline, currentOffer.note, cons, ourTake, editorialReview, seo
Official Shop Your Way transition FAQ →
Historical record · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5%Gas stationsHistorical percentage back in points; 5% and 3% categories shared a $10,000 annual cap
- 3%Grocery stores and restaurantsHistorical percentage back in points
- 2%Sears and KmartHistorical percentage back in points
- 1%All other eligible purchasesHistorical percentage back in points
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Historical Citi program: 5% back in points at gas stations and 3% at grocery stores and restaurants
- ✦The historical 5% and 3% categories shared a $10,000 annual eligible-purchase cap, then earned 1%
- ✦Historical 2% back in points at Sears and Kmart; 1% on other eligible purchases
Why it earns its spot
- +Useful historical reference for comparing old rewards with a replacement account
- +Legacy rewards included everyday spending categories
Where it costs you
- −Legacy terms do not establish the current rewards on a converted Citi account
- −The separate 5321 Visa has its own application and agreement
- −A targeted spending offer must be checked against the offer sent to your account
The Compound Verdict
Start with the issuer and product name on your latest statement. Use that account's payment instructions and rewards terms. Compare any targeted offer with spending you already planned; an old promotion is not a reason to spend more or keep a card indefinitely.
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