It's hard to establish any certain spending habit because in the initial 3 month SUB, I was just spending almost everything on this SYW card to meet the SUB spend. I (and AU mrs ptatohed) of course put all gas on the SYW card, 5%, no brainer. I even used it for all groc and dine for 3% even though I have/had other cards that would cover 5% but, again, to meet the SUB (or offer) spend. Then, just to make sure I met the SUB (or given offer), I may have to spend in 1% categories such as insurance/utilities (normally would get 3% with my AOD). Then, I would get offers monthly, the first one even in my SUB period as mentioned. Often something like spend $1000 in <these 30 days> and get a $45 statement credit. Again, I try to direct the 5% (gas) and 3% (groc/dine) first but if it gets close to the end of the 30 days, I would pay a 1% bill with it to reach the $1000 spend. All offers come via e-mail. Like you, I have never seen a single offer in the Offers tab on the SYW card website. It says something like 'This is where offers will be shown when you have them'. But nada so far. All e-mail. I hope that helps. Do you have the Sears card or the SYW?