Jump to content

Modest "heads up" on Citi Shop Your Way (SYW) MC


Recommended Posts

The Citi Shop Your Way card is largely a "waste of sock drawer space" card that was squeezed out a few years ago by Citi as a derivative to their Sears Mastercard, when Sears started into heavy decline.  It's a reward card that functions in conjunction with the "Shop Your Way (SYW)" incentive program, through which you accumulate credits good for purchases as Sears/K-Mart, or for select merchandise purchases from participating vendors.


I've only taken limited advantage of SYW since it was introduced, so don't rely upon my description (if you're interested in the details).  I only had a Sears card to take advantage of promotional finance deals on household appliances.


I mention this card now only because an offer landed in my inbox that's of considerable (unexpected) value:  For 3rd qtr, up to $1500 in monthly select category charges (gas/grocery/restaurant) is being rebated at 10% to the card.  This appears to be a direct statement credit (not SYW credits).  I don't know how directed the offer is ... it may be strictly extended to dormant accounts.


This is a boon for us because we tend to blow through the $6k Amex Blue Cash grocery limit before the end of each year.  Supplementing that bonus, along with the boost in earnings on gas & restaurant, is huge in my book.  (One thing I should add:  There was a similar offer for 2nd quarter that, distracted by COVID, etc., I didn't quite grasp the details of when I first read the offer.  Only later in mid-May did I pick up on what it was.  Fearful the offer might not repeat if I took advantage of it at a late date, I took a wait & see attitude for 3rd quarter.  I'd love it if this was repeated every quarter, but I find that very improbable at $450/qtr cash return.)


FWIW ...

Link to comment
Share on other sites

I used to have a plain Sears card. It goes all the way back when Sears had their own credit departments (Sesrs Credit Centrals). It got converted to a Citibank MasterCard Sears Card a long time ago. It's only a matter of time until Sears totally vanishes. The Sears near me closed last year. When Sears becomes history I expect my Sears MasterCard to be converted into some generic Citibank MasterCard.

Edited by Burgerwars
Link to comment
Share on other sites

My Sears charge was my second credit card account, issued in 1981.  I resisted the conversion to a MC several times, seeing no value in it.  (I hold a Nordstrom charge, rather than the VISA, for much the same reason.)


I think we last stepped into a Sears around 2015 and aside from the occasional online water filter order, I don't give the charge much thought.   I must have ignored some mailer threatening a conversion  to SYW a couple of years ago because one suddenly showed up in the mail.  I didn't activate it and the card mailer must have gotten lost in the shuffle because at some point I was scanning my credit report last year and discovered the card had been inactive for a little over 2 years.  Had to call to get a replacement so I could order another water filter.


To be honest, I can't help but think that the SYW issuance was in anticipation of an ultimate Sears demise.

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Member Statistics

    • Total Members
    • Most Online

    Newest Member
  • Create New...

Important Information