FlyerTalk Forums - View Single Post - Citi Core ThankYou MasterCard, former SYW card (2026)
Old Feb 4, 2026 | 12:58 pm
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GundamWing01
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Originally Posted by phltraveler
So Sears had multiple card deals over the years. Infamously, Sears made Discover. Then when they spun Discover off, they got back into direct credit card lending themselves in the 90s, with the Sears Gold Mastercard introduced in 2001. Then when that wasn't helping their fortunes they decided to get out of the credit card business and sell the MasterCard business off to Citibank by 2003.

Meanwhile, Kmart launched a card with HSBC in 2004. This of course predated the Kmart merger in 2005. So Sears announced they were terminating their deal with HSBC and bringing the Kmart credit cards in under Citibank.

Fun fact that was apparently before my time: Sears used to allow paying of Discover card bills in Sears stores! Even though Sears spun off Discover in the 90s, this remained possible into at least the 2010s (per this reddit /r/personalfinance post). Sears also allowed the Sears and Kmart cards to be allowed to pay themselves down without a fee, while still awarding 1% cashback on purchases - yes, this means exactly what you thought it means (it was possible to rack up a balance and then use one credit card to pay the other at the opposing store and have a negative 1% declining balance.)

The Shop Your Way card was a new deal and the existing Sears Mastercard cardholders were offered the opportunity to link SYW accounts to get the 5-3-2-1 structure free through Dec 31, 2017.

Feb 2017 press release says that cardholders who opted in would start getting SYW branded cards in March 2017.

Anyways... there have been a variety of Citi credit card deals between Sears/Kmart/Kmart Holdings/Transformco (the survivor of the former companies after 2018 bankruptcy) over the years. Not every Sears or Sears Gold Mastercard holder was converted - my parent's Sears Gold Mastercard converted to a more generic Citi card earning ThankYou points probably circa 2018, but still with sears branding, and was converted to a Citi ThankYou card around May or March (can't remember) 2025 after they got a letter in the mail in Feb 2025.

These are likely Sears/Kmart legacy cardholders who were never migrated (or applied new) for the card to be converted/assigned anew as an SYW card, and thus Citi was able to convert them to be TYP sooner (and never offered the 5321 rewards structure, so no need to offer them anything so generous on the conversion, hence the "Citi ThankYou Mastercard", "ThankYou MasterCard for Select", and the Citi ThankYou Mastercard for Core" having different names and rewards tiers.)

The core maps to the SYW card. The other too, I'm not really sure - I'm too young and the internet isn't being kind in finding out the rewards structures of the older cards!

The Gold Mastercard used to get 5% cashback on gas/grocery/drugstores, capped at $300/yr max. That maps to the TYMC for Select, but not at the 5% rate (only 2%) - Sears/Citi probably nerfed it at some point.
Originally Posted by AlexTheMan
Considering that you are providing some history titbits of the card, I may share some related personal info. I opened a Sears store card in 1994 for some free appliance financing but closed it in 1999. I then opened a Sears MC in 2004. It almost had no spending until 2015 when out of the blue, I started receiving some great cashback offers. At that time, there was no discussion regarding these offers anywhere online. That card did not earn any type of points. I received an offer to switch it to a ThankYou version, but I did not want to mess around with the crazy offers I was getting.

My wife got the SYW card in 2022. For some reason, offers stopped on my original card in 2023. After 6 months or so with zero offers, I applied and got a SYW card for myself. I was not able to convert the original MC to SYW and I was not able to keep both cards. My application for SYW card was initially declined due to holding the Sears MC. I had to close the old account and submit another application to get a SWY card.

So, cashback offers started in 2015, and I would not have dreamt at any point so they would still continue till 2026.
thank you so much for taking the time to write an awesome history lesson.

sears was an analogue goliath before digital amazon. such a shame. such a waste. so much business case study material there. same w/ nordstroms.

i totally forgot sears created discover then owned by morgan stanley and now cap1. its such a crazy fun fact when looking at the current credit card landscape.

i didnt know kmart HSBC was a thing. so unusual. but i do remember hearing about pay ur discover card in store well into early 2000s. and u could pay ur sears credit card bill in store as well. but i dont know which version.

i couldnt find old details except for this article from puerto rico:
http://www.elnuevodia.com/english/bu...ments-are-made
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