Shop Your WayReviews of shopyourway.com

The WORST credit card you can get, FEW benefits, horrible interest rate, no loyalty, STAY FAR AWAY! MANY other credit cards that offer much more than this one does with more benefits!

If I could give him a zero I would. We had a dispute with a company that refunded the card and they still put that money back on the bill they are thieves and I would not use this card at all. I've never seen a card that blatantly steals from her person like this card does. Beware

Shop your way points is a complete and total scam. They don’t calculate things correctly. They make you have a cell phone that is on their system. Even if it’s not your cell phone, it doesn’t work so they discriminate you against you if you don’t have the proper cell phone number that they want. I have been able to redeem zero points from them. And I have spent tens of thousands of dollars. I’ve got no rewards from them. Don’t walk away from this deal run away from it.

This started in October of 2022. There was a charge on my account which I did not make nor authorize. It was clear I did not make given there was a foreign transaction fee attached. I live in NC and the company was located in Delaware, so how on earth could I have possibly purchased the service since it was made overseas? There have been several calls made to Shop Your Way and 3 letters I have received saying I am responsible for the charges. The first letter said I claimed I had never opened credit card. which was false, 2nd said merely my claim was denied as did the 3rd - which said I was responsible for charges. (Which I have already paid by the way.) And they are refusing to give my money back.

Stopped using legitimate cc's that actually pay the rewards they offer, because SYW emailed me an "offer I couldn't refuse", that being 10% back on $350 worth of purchases (in one month) at grocery stores, gas stations and restaurants. I've now spent over $500 in said stores, but they claim I've only made $31 in eligible purchases. PLUS, they now claim I have to spend $600 in one month! This is not what I signed up for. Also, their website is horrible, doesn't post purchases until days later, and doesn't show what % reward you received on each purchase (as all my other cards do). I was told today from "customer service", which is a joke in and of itself, that it could take up to 2 to 3 months for the rewards to show up, "once they determine that my account is eligible". Are you kidding me? I have one billing cycle in which to meet their ridiculous spending requirements, yet they can wait 2 to 3 months to "decide" if I'm "eligible" to receive my rewards!? I told them today I will never use this card again, and that's a fact! I advise you to cut yours up if you have one. And Citi should be ashamed of themselves for allowing this, or having their name on this card. Unbelievable. Oh, and like every other negative review, you find out your rewards can only be used at Kmart, Sears (neither of which even exist anymore, really) OR redeem for gift cards. Spent over $500, all in eligible stores, and currently have exactly $12 in rewards. Um, I'm no mathematician, but I believe 10% of $500 is $50! When I challenged this, that's when I was told to wait at least 2 months for them to "verify" that my purchases were eligible. Yet my current $12 in rewards expires March 31. So now they also want to chop up my rewards into tiny dispersements that expire rapidly. Next thing I'll probably find out is that the lowest gift card amount you can purchase is $25, so I'll never get even one gift card after all this hassle. I am furious. Bait and switch, liars, dishonest, scammers. Never again. CUT UP YOUR CARD!!!! ps. of course I've also missed out on my usual 5% rewards that I would NORMALLY be getting from the cards I've always used, because of SYW luring me over with fraudulent offers. Can you tell I'm angry?

Each time I try to make a payment through the automated system, the recording states that my card is invalid. When I asked for customer service, two of the three people I spoke with were rude and lack any customer service skills.

The SYW points program is a complete scam, as others here have expressed. No issues with the card itself but trying to redeem points OR get an adequate answer about it from SYW support is impossible. Plus, it’s a major waste of time trying to resolve it - obviously by design so customers just give up.

DO NOT USE. It's a complete joke and waste of time. They will say your account isn't verified and then when you try to redeem your point's the web site will show as an error. Call customer service and they act like this is the first time they are ever hearing this followed by putting you on hold and never returning to the call. How is this business allowed to operate like this?