Shop Your Way
Credit card with tiered rewards — 5% back on gas/transit, 3% on groceries/dining/travel, no annual fee
| What is it | Credit card with tiered rewards — 5% back on gas/transit, 3% on groceries/dining/travel, no annual fee |
|---|---|
| Pricing | Unknown |
| Platform | Web Application |
| Works with | IFTTT |
| Best for | Earning rewards on regular spending like groceries, gas, and dining, Redeeming points for statement credits to lower credit card bills |
| Domain registered | 1998 |
Data updated Aug. 1, 2026
What does Shop Your Way do?
Shop Your Way is a Visa credit card that pays you back in points on every purchase. There are four earning tiers: 5% back on gas, EV charging, tolls, car washes, transit, and rideshare (including Uber and Lyft); 3% back on groceries, dining, and travel (flights, hotels, rental cars); 2% back on purchases from Shop Your Way partners; and 1% back on everything else. There's no annual fee and no cap on points earned. Redemption options include gift cards from brands like Amazon and Starbucks, plus statement credits—with more ways to redeem arriving in 2026.
The card works like a standard rewards credit card. You earn points on each transaction based on the merchant category code. Points can be stacked with existing Shop Your Way membership perks, bonus offers from partners, and monthly challenge bonuses that reward hitting small spending goals. The site includes a calculator to estimate annual earnings based on your typical monthly spending. The card is issued by First Bank & Trust under a Visa license and replaces an older Mastercard version.
This card is best for people who want straightforward cashback-style rewards without rotating categories or annual fees. It suits frequent drivers, grocery shoppers, and anyone who spends on travel. The expanded 5% category now covers electric vehicle charging and rideshare, and the 3% travel category is new for 2025. If you prefer a simple earning structure over complex points programs, Shop Your Way offers a clear value proposition.
Key features
What makes it stand outWho is Shop Your Way for?
Who benefits most from this toolTrust & presence
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