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The Shop Your Way program is free and without obligation and participation in the Shop Your Way Program is subject to the terms and conditions available for review at www.shopyourway.com/terms. When you link your Shop Your Way number to your Sears Mastercard®, subject to the terms and conditions of the Shop Your Way Program, you will earn 1% in points on purchases made with the Sears Mastercard for 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 Program Stores ("base points"). However, no points are awarded for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare fees, interest charges and credit card fees. To discontinue participation in this program at any time, call (800) 991-8708. The Shop Your Way program is offered by Transform SR Holding Management LLC.

Please note: As a Shop Your Way Member, you authorize Citibank to report to Transform SR Holdings LLC and its affiliates purchases made using the Sears Mastercard.

Shop Your Way Additional Category Earn Promotion

This promotion is not transferable; is subject to credit approval and the Shop Your Way terms and conditions located at www.shopyourway.com/terms. Your Shop Your Way account must be linked to your Sears Mastercard as described above in order to participate in this promotion. You have the opportunity to receive Shop Your Way points for eligible purchases which are made and post to your Sears Mastercard account for 12 months from the month you link your Sears Mastercard to your Shop Your Way account. These extra points are inclusive of any base points earned. When extra point offers are combined, total points earned will be less than the combined point totals for each individual offer. Base points mean the 1% back in points described above which you will receive on purchases that are made outside of Sears, Kmart or other Program Stores or are described below as "certain non-eligible purchases". Sears base points mean those points awarded as part the standard Shop Your Way program.

You may only earn 5% back on eligible gas station purchases and 3% back in points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 during the promotional period and then 1% thereafter.

5% back in points on eligible gas station purchases, for the first $10,000 (which includes the eligible restaurant and grocery store purchases) during the promotional period and then 1% thereafter. (5% back in points equals 4% in extra points and 1% in base points.) Certain Non-Eligible Purchases. You will only earn 1% back in base points, not 5%, for gas purchased at superstores, supermarkets, convenience stores and warehouse clubs or for fuel used for non-automobile purposes.

3% back in points on eligible restaurant (including cafés, bars, lounges and fast food restaurants) and eligible grocery store purchases for the first $10,000 (which includes the eligible gas station purchases) during the promotional period and then 1% in base points thereafter. (3% back in points equals 2% in extra points and 1% in base points.) Certain Non-Eligible Purchases. You will only earn 1% in base points, not 3%, for restaurant purchases made at bakeries and certain restaurants/cafés inside department stores, grocery or warehouse clubs. You will only earn 1% in base points, not 3%, for grocery purchases made at superstores, convenience stores, gas stations, warehouse clubs, and discount stores.

2% back in points on purchases at Sears (Full Line Stores Sears Grand, Sears Dealer Stores (Sears Hometown Stores, Sears Home Appliance Showrooms, and Sears Hardware), Kmart, mygofer and for Lands' End merchandise within Sears stores that are "qualifying purchases" under the Shop Your Way program during the promotional period and then 1% in Sears base points thereafter. (2% back in points equals 1% in extra points and 1% in Sears base points.)

1% back in base points on purchases that are made outside of Sears, Kmart or other Program Stores or are described above as "certain non-eligible purchases".

No points are awarded for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare fees, interest charges and credit card fees.

Points will post to your Shop Your Way account within approximately one week after the eligible purchase is made. Merchants must submit charges under the appropriate merchant code or industry code for you to receive the additional Shop Your Way 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. Citibank is not responsible for products or services offered by other companies.

Shop Your Way Additional Category Earn Promotion

This promotion is not transferable; is subject to credit approval and the Shop Your Way terms and conditions located at www.shopyourway.com/terms. Your Shop Your Way account must be linked to your Sears Mastercard as described above in order to participate in this promotion. You have the opportunity to receive Shop Your Way points for eligible purchases which are made and post to your Sears Mastercard account for 12 months from the month you link your Sears Mastercard to your Shop Your Way account. These extra points are inclusive of any base points earned. When extra point offers are combined, total points earned will be less than the combined point totals for each individual offer. Base points mean the 1% back in points described above which you will receive on purchases that are made outside of Sears, Kmart or other Program Stores or are described below as "certain non-eligible purchases". Sears base points mean those points awarded as part the standard Shop Your Way program.

You may only earn 5% back on eligible gas station purchases and 3% back in points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 during the promotional period and then 1% thereafter.

5% back in points on eligible gas station purchases, for the first $10,000 (which includes the eligible restaurant and grocery store purchases) during the promotional period and then 1% thereafter. (5% back in points equals 4% in extra points and 1% in base points.) Certain Non-Eligible Purchases. You will only earn 1% back in base points, not 5%, for gas purchased at superstores, supermarkets, convenience stores and warehouse clubs or for fuel used for non-automobile purposes.

3% back in points on eligible restaurant (including cafés, bars, lounges and fast food restaurants) and eligible grocery store purchases for the first $10,000 (which includes the eligible gas station purchases) during the promotional period and then 1% in base points thereafter. (3% back in points equals 2% in extra points and 1% in base points.) Certain Non-Eligible Purchases. You will only earn 1% in base points, not 3%, for restaurant purchases made at bakeries and certain restaurants/cafés inside department stores, grocery or warehouse clubs. You will only earn 1% in base points, not 3%, for grocery purchases made at superstores, convenience stores, gas stations, warehouse clubs, and discount stores.

2% back in points on purchases at Sears (Full Line Stores Sears Grand, Sears Dealer Stores (Sears Hometown Stores, Sears Home Appliance Showrooms, and Sears Hardware), Kmart, mygofer and for Lands' End merchandise within Sears stores that are "qualifying purchases" under the Shop Your Way program during the promotional period and then 1% in Sears base points thereafter. (2% back in points equals 1% in extra points and 1% in Sears base points.)

1% back in base points on purchases that are made outside of Sears, Kmart or other Program Stores or are described above as "certain non-eligible purchases".

No points are awarded for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare fees, interest charges and credit card fees.

Points will post to your Shop Your Way account within approximately one week after the eligible purchase is made. Merchants must submit charges under the appropriate merchant code or industry code for you to receive the additional Shop Your Way 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. Citibank is not responsible for products or services offered by other companies.

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Online Bill Pay

Note: No funds will be transferred at this time. Setting up Online Bill Payment authorizes your bank to transfer funds from your account only when you complete a payment request each month.

Enrollment or Changing Bank Account

You can make an Online Payment once you enroll. Your payment will credit to your account as described in the paragraph titled "Same Day Crediting". If you use a bank account for the first time, we may hold the available line of credit equal to the payment for up to 3 business days.

Payments

You can only make one online payment per day. You may schedule future payments as far as 45 days in the future.

If you do not make one Online Payment at least once every eighteen (18) months, you may have to re-register your bank account as though using it for the first time.

If a scheduled payment exceeds the current balance at the time of execution, you agree that we will reduce the scheduled payment amount to the amount of your current balance.

Same Day Crediting

The payment cutoff time for Online Bill and Phone Payments is midnight ET. This means we will credit your account as of the calendar day, based on Eastern Time, that we received your payment request. If we receive your request to make an online payment after that time, we will credit your payment as of the next day.

Any payment made on a weekend or holiday will be applied as of the day you make it. However, it will not be posted until the next business day.

Please note that there may be a delay between the time your payment is posted and the amount of your available credit is updated.

If any electronic payment is returned unpaid by your financial institution for any reason, we may charge, and you agree to pay, a returned payment fee. You may also be charged a late fee based on the terms and conditions of your Card Agreement. Subsequent scheduled payments may also be canceled.

Authorization

By authorizing Online Bill Pay, I authorize Citibank, N.A. to initiate an electronic payment from my bank account and I authorize my bank to honor the withdrawal. This authority is for my My Best Buy® Credit Card account noted above and is to remain in effect until canceled in writing by Citibank, N.A., my financial institution, or me.

Email Address Policy

Email Privacy

At Citi Cards, we are dedicated to protecting your privacy. We want you to feel comfortable about giving us your email address. The following Email Policy was developed to help you understand how we use email and what your choices are.

How We Use Email

When you give us your email address, we may then send you emails on a variety of subjects, such as:
• General notices or important news about your account (rest assured your account number would never be included)
• Updates on special deals and offers that might interest you
• Opportunities to provide feedback or complete online surveys, so you can tell us what you think.

Your Choices

We believe you should be able to choose what kinds of information you receive. Thus, if you do not want to receive marketing material by email, just indicate your preference on your email profile. If you do so, please note that you could continue to receive some marketing information until your request is processed.

 

Important Note:

Please keep in mind that Citi reserves the right to continue to notify you by email regarding your account.

Paperless Statements and Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only.

Enrollment in Credit Card Paperless Statements and Other Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

Minimum System Requirements

To receive your legal notices electronically, your device must be capable of printing or storing email, web pages and documents in PDF format, and you must use a browser with at least 128-bit security encryption to enroll.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and want a paper notice, call us at the number on your statement or the back of your card and we will mail it to you.

Cancelling Paperless Statements and Other Communications

You may cancel by updating your settings on the Paperless Settings page of your account online or by calling us at the number on your statement or the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement and legal notices online to the email address you provide to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on your statement or the back of your card.

Credit Card Paperless Statements and Other Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically. If I later let you know that I wish to receive either my statements or other legal notices in paper form, these terms will not apply to those documents.

You will receive paperless notifications at the email address currently associated with your account(s).

Enroll in Paperless Statements and Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only.

Enrollment in Credit Card Paperless Statements and Other Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

Minimum System Requirements

To receive your legal notices electronically, your device must be capable of printing or storing email, web pages and documents in PDF format, and you must use a browser with at least 128-bit security encryption to enroll.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and want a paper notice, call us at the number on your statement or the back of your card and we will mail it to you.

Cancelling Paperless Statements and Other Communications

You may cancel by updating your settings on the Paperless Settings page of your account online or by calling us at the number on your statement or the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement and legal notices online to the email address you provide to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on your statement or the back of your card.

Credit Card Paperless Statements and Other Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically. If I later let you know that I wish to receive either my statements or other legal notices in paper form, these terms will not apply to those documents.

You will receive paperless notifications at the email address currently associated with your account(s).

Enroll in Paperless Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only.

Enrollment in Credit Card Paperless Statements and Other Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

Minimum System Requirements

To receive your legal notices electronically, your device must be capable of printing or storing email, web pages and documents in PDF format, and you must use a browser with at least 128-bit security encryption to enroll.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and want a paper notice, call us at the number on your statement or the back of your card and we will mail it to you.

Cancelling Paperless Statements and Other Communications

You may cancel by updating your settings on the Paperless Settings page of your account online or by calling us at the number on your statement or the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement and legal notices online to the email address you provide to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on your statement or the back of your card.

Credit Card Paperless Statements and Other Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically. If I later let you know that I wish to receive either my statements or other legal notices in paper form, these terms will not apply to those documents.

You will receive paperless notifications at the email address currently associated with your account(s).

Enroll in Paperless Statements

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only.

Enrollment in Credit Card Paperless Statements and Other Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

Minimum System Requirements

To receive your legal notices electronically, your device must be capable of printing or storing email, web pages and documents in PDF format, and you must use a browser with at least 128-bit security encryption to enroll.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and want a paper notice, call us at the number on your statement or the back of your card and we will mail it to you.

Cancelling Paperless Statements and Other Communications

You may cancel by updating your settings on the Paperless Settings page of your account online or by calling us at the number on your statement or the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement and legal notices online to the email address you provide to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on your statement or the back of your card.

Credit Card Paperless Statements and Other Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically. If I later let you know that I wish to receive either my statements or other legal notices in paper form, these terms will not apply to those documents.

You will receive paperless notifications at the email address currently associated with your account(s).

Rewards Program Information

Rebates

Alerts Terms and Conditions

By subscribing to custom Citi Account Alerts (each, an "Alert"), you can request to receive notices relating to your Citi accounts. Alerts can be sent via email or SMS text messages. You can select the method by which Alerts are sent to you and edit your preferences at any time by going to the Manage Alerts page of your account online. If you select to receive SMS text messages, you agree that Citi can send those text messages using an automated dialing system. Alerts sent to you are not encrypted and may include your name and account information. Text "HELP" for help. If you no longer wish to receive Citi SMS text messages, you may reply STOP to opt-out. Please note Citi may still send critical texts, such as potential fraud, even if you choose to opt-out. For questions about the services provided, you can call the number on your statement or the back of your card.

It is your responsibility to accurately provide valid and accurate contact information. It is also your responsibility to determine if your mobile service provider supports text messaging and your telephone or other mobile device is capable of receiving text messages. Based on your Carrier, message and data rates may apply.

Message frequency may vary. You acknowledge and agree that your receipt of an Alert may be delayed or prevented by factors affecting your cellular phone service provider, internet service providers and other factors outside Citi's control. We guarantee neither the delivery nor the accuracy of the contents of an Alert. Citi provides this service as a convenience to you for information purposes only. An Alert does not constitute a record for the account to which it pertains. Citi reserves the right to terminate the service or begin charging a fee for such service at any time without prior notice to you. Nothing contained herein shall amend, supersede or nullify anything contained in any other agreement you have made with Citi.

We reserve the right to terminate the alerting service, in whole or in part, at any time without notice. The information in any alert may be subject to certain time lags or delays. The types and timing of your alerts will be managed by you, and the alerts may be stopped or suspended by you at any time. If you have any questions regarding privacy, please read our privacy policy located at the bottom of the page in your account online.

Authorization
By enrolling in, or editing wireless alerts you previously enrolled in, you agree to the Terms and Conditions.

User ID and Password Guidelines

For enhanced security, your Password, User ID and the Security Word you provided when you applied for your card should be different from each other.

User ID guidelines

A unique User ID helps safeguard your account and secure personal information.

User ID requirements

  • Must be 5 to 50 characters

User ID restrictions

  • Don’t use more than three consecutive or sequential digits (for example, 1111 or 1234) unless your User ID is an email address.
  • Don’t use your Password or the Security Word you provided when you applied for your card as your User ID.

Password guidelines

A secure Password is easy for you to remember, but difficult for others to guess.
 
Don’t share your Password with anyone — ever.

Password requirements

Your Password must contain:
  • Between 8-64 characters 
  • At least 1 number 
  • At least 1 uppercase letter 
  • At least 1 lowercase letter 
  • At least 1 special character or space: . ? * $ ! { } - _ + % ^ @ [ ]
  Note: Passwords are case sensitive.

Password restrictions

  • Don’t use your name or User ID as your Password. 
  • Don’t use more than 2 consecutive identical characters, including spaces. 
  • Don’t use existing or the last  6 passwords.

Password tips

  • Passwords are case sensitive.
  • Choose a meaningful phrase with 6-8 words and numbers, and then include a special character. For example, “We bought our home 9 years ago!” can become “Wboh9ya!”
  • Insert two digits into a word. For example, “Decem51ber?”
  • Replace vowels or other letters in a short phrase with numbers or other characters. For example, “Sh0rt3n!”
  • Don’t use characters that are next to each other on the keyboard (for example, hjkl;).

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Welcome to Your New Online Account.

Welcome to Your New Online Account.

Introducing a whole new experience built to give you more control over your card and your time.

Take advantage of your new online account by managing your alert settings, downloading statements or enrolling in autopay.

Take advantage of your new online account by managing your alert settings, downloading statements or enrolling in autopay and paperless.

  • Get around faster in an intuitive, clutter-free environment.
  • Log in from anywhere with a design optimized for any device.
  • Manage your account your way with all the features you enjoyed before—and more.

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You’re eligible for the
My Best Buy® Visa® Card

Earn rewards faster and take advantage of even more exclusive offers by upgrading to the My Best Buy® Visa® Card.

Shop where Visa® is accepted.

3% back
in rewards on gas purchases.

and

2% back
in rewards on grocery, dining and takeout purchases.

and

1% back
in rewards on other purchases.

Plus

Limited-time bonus reward categories.
Every few months, we’ll introduce bonus reward categories that will get you even more rewards faster.

We’re Still Setting Up Your Account

Some information and features are not available yet—but don’t worry. It may take up to 3 business days for your full online experience to be ready.

Until then, feel free to explore, and enjoy your new My Best Buy® Credit Card.

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