Get $200 back1
Get $200 back as a Statement Credit¹
after $200 in qualifying Sears purchases within 90 days of account opening.
REWARDS AT A GLANCE
5%
Gas & Transit*
3%
Groceries, Dining & Travel*
2%
Shop Your Way® Partners*
1%
All other purchases*
You'll be directed to Finance Your Way, a part of Shop Your Way®, to complete your credit application in a secure, encrypted environment.
See Credit Card Terms & Conditions
Earn more where it matters
No caps. No rotating categories. Earn on every qualifying purchase.
*Shop Your Way Additional Category Earn Program
Rewards that are
easy to use
Redeem your Points for Statement Credit or Gift Cards — no minimums, no complicated steps, no waiting.
Simple. Flexible.
Ready when you are.
With the 5321 Visa® Credit Card, you can pay your way—online, in-store, or on the go.
No annual fee‡
Digital wallet ready – tap & pay with Apple Pay™ or Google Pay®
Accepted worldwide – wherever Visa® is accepted
Manage everything from one dashboard
Premium
benefits included
Your 5321 Visa® Credit Card comes loaded with travel protection, and lifestyle perks — all at no extra cost.
pocket, every year.
see if i pre-qualify
It only takes a minute to get started with no impact to your credit score.
You'll continue in a secure application environment. Eligibility check uses a soft credit inquiry and won't affect your credit score. If you choose to proceed with a full application, this will result in a hard inquiry, which may impact your credit score.
‡19.74% - 34.74% variable APR based on your creditworthiness. These rates are accurate as of 12/31/2025. For full details on rates and fees, refer to the Important Information
1$200 STATEMENT CREDIT OFFER DETAILS
When you are approved for a new Shop Your Way 5321 Visa® Credit Card and use it to make $200 or more in total qualifying purchases with Shop Your Way partners within the first 90 days of account opening, you will receive a $200 Statement Credit. Qualifying purchases may be made in multiple transactions and do not need to be made in a single purchase. Purchases must post to your account during the 90-day promotional period that begins on your account opening date. This offer is only available for new Shop Your Way 5321 Visa accounts opened through March 31, 2027. Existing accounts are not eligible.
Your account must be open and in good standing at the time the Statement Credit is applied. Statement Credit will post within 10 business days after the qualifying purchase threshold is met, and qualifying purchases have posted to your account. The Statement Credit reduces your balance, but does not count as a payment. You must still make your minimum monthly payment. Limit one offer per new account. Offer is not transferable, and cannot be combined with any other introductory offer. Terms may change without notice, but changes will not affect accounts already opened under this offer.
The following types of transactions do not qualify as eligible purchases and will not earn Points or a Statement Credit: cash equivalents, balance transfers, disputes or fraudulent transactions, interest & fees, and gambling transactions. Additional exclusions apply. A list of current participating Shop Your Way partners is located at https://www.shopyourway.com/legal/merchant-terms
*Shop Your Way Additional Category Earn Program
The Shop Your Way Additional Category Earn Program is not transferable and is subject to credit approval. Full Membership Terms and Conditions for Shop Your Way and the Shop Your Way Additional Category Earn Program located at www.shopyourway.com/terms.
You have the opportunity to earn Shop Your Way Points when you use your 5321 Visa® Credit Card for eligible purchases.
5% back in Shop Your Way Points on eligible Gas, EV charging and everyday transit purchases: "EV charging" refers to the process of replenishing the battery of an electric vehicle (EV). "Everyday Transportation" purchases are defined as purchases for public transit, taxicabs and rideshare transportation, car washes, parking and tolls.
3% back in Shop Your Way Points on eligible grocery store purchases, restaurant purchases (including cafes, bars, lounges and fast food restaurants), and travel purchases (Airfare, Cruises, Hotels, Rental Cars, Timeshare, and Travel Agencies).
2% back in Shop Your Way Points on Merchant network Purchases, which are "Qualifying Purchases" under the Shop Your Way Program at participating Shop Your Way partners (such as Sears, Kenmore, Sears Home Services and others). A list of current participating Shop Your Way merchant partners is located at https://www.shopyourway.com/legal/merchant-terms
1% back in Shop Your Way Points on all other purchases that are not classified as either "Qualifying Purchases" or "Non-Qualifying Purchases" under the Shop Your Way Program and that are made outside of Shop Your Way Merchants.
Points may be redeemed on qualifying purchases at Shop Your Way merchants, gift cards/egift cards available at syw.com, and statement credits. Additional terms apply. For full terms, see www.shopyourway.com/terms. 5321 Visa® Credit Card Points are Shop Your Way Global Points. Members may redeem Shop Your Way Global Points on (i) Qualifying Purchases at Shop Your Way Merchants, (ii) Gift Cards/eGift Cards available at syw.com, and (iii) statement credits, subject to additional terms.
Points will post to your Shop Your Way account within approximately one week after the eligible purchase is made. For Point redemption and expiration terms, visit www.shopyourway.com/terms. Merchants must submit charges under the appropriate merchant code or industry code for you to receive the Points. We do not determine whether merchants appropriately identify all transactions you make on your account, but we do reserve the right to determine which purchases qualify for Points.
By accepting Shop Your Way member benefits and offers, you agree to the Shop Your Way terms and conditions, available at www.shopyourway.com/terms. The Shop Your Way Program is offered by Transform SR Holding Management LLC.
To discontinue participation in the Shop Your Way Programs at any time, visit: syw.com/contact-us, or call Shop Your Way at: (847) 766-0361. Terms of cancellation may vary by state. For cancellation terms, visit: www.shopyourway.com/terms
2Statement Credit: A minimum of 5,000 points ($5) is required to redeem toward statement credit. The 5321 Visa® Credit Card account must be open and in good standing. Credits post within 10 business days and reduce your balance, but do not count as payments. You must still make your minimum monthly payment. Redemptions are final. Terms apply. See Point Redemption details at shopyourway.com/terms
3Gift cards: Only select points are eligible for redemption on gift cards. Gift cards offered are subject to change and availability. See the number of eligible points and other details at www.shopyourway.com/giftcards.
4For your Guide to 5321 Visa® Credit Card and 5321 Visa Signature® Credit Card Benefits, click here.
All trademarks, logos, and brand names are the property of their respective owners. Use of these names, trademarks, and brands does not imply endorsement.
5321 Visa® Credit Cards are issued by First Bank & Trust, Brookings, SD pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Marks used herein are service marks of First Bank & Trust.
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