View Poll Results: Which Sears related card(s) do you use?
I have both the TYP and SYW versions.
0
0%
My Sears card earns no rewards.
0
0%
Voters: 33. You may not vote on this poll
Jan 3, 2024, 2:04 pm
Last edit by: hurnik
To read previous discussion click HERE
Application link for the Shop Your Way (SYW) MasterCard is HERE.
Accumulating points, expiration, and redemptions:
You can accumulate SYW points in some of the following methods:
Not all points have the same expiration timeframe. Some bonus/incentive points expire in 30 days or less. Most are 1 year. You can check in the SYW app, or the shopyourway.com website. Make sure to redeem the points before they expire!!!!
Redemptions:
You can only redeem $200 worth per day. So if you redeem for a $200 GC, you have to wait until the next day to make another redemption of any amount.
What counted as online purchase with Sears card (alphabetical order)
Credit Line Increases
This is very odd, but according to the Chatbot on the website:
Q. When requesting a credit limit increase, is the credit inquiry a hard or soft credit inquiry?
A. Unfortunately, until we process the request, there isn't a way for us to know if a credit line increase request will be a soft or hard hit on your credit report. For this reason, we have to receive your permission to pull a copy of your credit report before we process the increase request. If you process the request online, you will see a message stating "By submitting this form, you authorize Citibank, N.A. to obtain your credit report."
To request an increase online:
In order to request an increase, you will need to go to your “Credit Home” page, and find “Available Credit” at the top of the page. Then, click on the link that says “Request Increase” to begin the process.
Application link for the Shop Your Way (SYW) MasterCard is HERE.
Accumulating points, expiration, and redemptions:
You can accumulate SYW points in some of the following methods:
- Bonus offers sent to your email (ie: Spend $750 on Online and get 200,000 SYW Bonus points)
- Regular spend - categories: 5% in gas, 3% in grocery/restaurants, 2% in SYW Merchants, 1% everywhere else
- "Missions" in the SYW App (iPhone/Android)
Not all points have the same expiration timeframe. Some bonus/incentive points expire in 30 days or less. Most are 1 year. You can check in the SYW app, or the shopyourway.com website. Make sure to redeem the points before they expire!!!!
Redemptions:
You can only redeem $200 worth per day. So if you redeem for a $200 GC, you have to wait until the next day to make another redemption of any amount.
What counted as online purchase with Sears card (alphabetical order)
- Amazon purchase or re-load
- Carters.com (Merchandise-CHILDRENS / INFANTS WEAR STORE)
- Costco.com
- Ebay seller fees (direct entry) (MCC: N/A)
- Fluz (MCC varies, YMMV)
- Gift Card Mall
- Homedepot.com (Merchandise-HOME SUPPLY WAREHOUSE STORES)
- Iherb.com (Merchandise-MISC FOOD STORE,SPECIALTY,CONVENIENCE)
- Kygunco.com (Merchandise-DURABLE GOODS, NOT ELSEWHERE CLASSIFIED)
- Lockedloaded.com (Merchandise-SPORTING GOODS STORES)
- MileagePlusX (MCC varies)
- Pirateship.com (Services-COURIER SERVICE, FREIGHT FORWARDERS)
- Plastiq (Restaurants-UTILITIES-ELECTRIC,GAS,SANITARY,WATER)
- Scholastic.com (Organizations-MISC SCHOOLS / EDUCATIONAL SERVICES)
- Usmint.gov (Services-MISC GOVERNMENT SERVICES)
- united.com (Air Travel-UNITED AIRLINES)
- Texas de Brazil (.com site for GC, VIP cards) - Merchandise - NOVELTY/SOUVENIR SHOPS
- Fluz (MCC varies, YMMV)
- Geico.com (Services-INSURANCE-SALES / UNDERWRITING)
- Paypal (MCC varies)
- Cable, Satellite, TV (Restaurants-CABLE,SATELLITE,PAY TV/RADIO SERVICES)
- Telecom (Restaurants-TELEPHONE SERVICE)
- Telecom (Services-TELEPHONE SERVICE/EQUIPMENT)
- Utilities (Restaurants-UTILITIES-ELECTRIC,GAS,SANITARY,WATER)
- VRBO
- Texas de Brazil.com (GC,VIP cards, etc.) - Merchandise - NOVELTY/SOUVENIR SHOPS
Credit Line Increases
This is very odd, but according to the Chatbot on the website:
Q. When requesting a credit limit increase, is the credit inquiry a hard or soft credit inquiry?
A. Unfortunately, until we process the request, there isn't a way for us to know if a credit line increase request will be a soft or hard hit on your credit report. For this reason, we have to receive your permission to pull a copy of your credit report before we process the increase request. If you process the request online, you will see a message stating "By submitting this form, you authorize Citibank, N.A. to obtain your credit report."
To request an increase online:
In order to request an increase, you will need to go to your “Credit Home” page, and find “Available Credit” at the top of the page. Then, click on the link that says “Request Increase” to begin the process.
Citi Sears and Shop Your Way (SYW) Cards
May 15, 2024, 7:23 pm
#438
Join Date: Dec 2014
Posts: 261
Weird things happening with my SYW points this month. A grocery store that coded as 3% last month coded as 1%. One grocery purchase from a week ago has not posted any points, not even 1%. And Walmart is also now coding as 1% instead of 3%. I am well under the $10k limit for the year.
May 18, 2024, 9:43 pm
#446
Join Date: Jun 2023
Posts: 202
Someone said yes: https://www.doctorofcredit.com/what-...omment-1769273
Someone said no: https://www.doctorofcredit.com/targe...omment-1845808
My two cents: The person who said "no" posted it 5/16, so maybe they tried spending on 5/15 and expected instant feedback? Or maybe they expected the "card not present" SMS and didn't get it?
Someone said no: https://www.doctorofcredit.com/targe...omment-1845808
My two cents: The person who said "no" posted it 5/16, so maybe they tried spending on 5/15 and expected instant feedback? Or maybe they expected the "card not present" SMS and didn't get it?
Last edited by TyrannicalDuncery; May 18, 2024 at 9:53 pm
May 19, 2024, 6:25 am
#447
Join Date: Feb 2013
Location: NYC
Programs: AA Gold, US Silver, Starwood Gold, Starbucks Gold
Posts: 336
I believe I've now hit my $2k GGR spend for May. In the last 4 months, I would check the SYW points to make sure they coded as 3x or 5x in order to confirm I've met $2k/month. I've typically spend a touch over.
Once I hit the $10k cap for the year, for instance next month in June, is there an easy way to check GGR spend for the month?
Once I hit the $10k cap for the year, for instance next month in June, is there an easy way to check GGR spend for the month?
May 19, 2024, 11:42 am
#448
Join Date: Aug 2015
Posts: 143
I believe I've now hit my $2k GGR spend for May. In the last 4 months, I would check the SYW points to make sure they coded as 3x or 5x in order to confirm I've met $2k/month. I've typically spend a touch over.
Once I hit the $10k cap for the year, for instance next month in June, is there an easy way to check GGR spend for the month?
Once I hit the $10k cap for the year, for instance next month in June, is there an easy way to check GGR spend for the month?
What do you mean $10k cap for the year? I don't see any cap on the GGR offer in my email besides max of $2k per month.
May 19, 2024, 11:54 am
#449
Join Date: Aug 2019
Posts: 412
May 19, 2024, 11:56 am
#450
Join Date: Aug 2019
Posts: 412
I believe I've now hit my $2k GGR spend for May. In the last 4 months, I would check the SYW points to make sure they coded as 3x or 5x in order to confirm I've met $2k/month. I've typically spend a touch over.
Once I hit the $10k cap for the year, for instance next month in June, is there an easy way to check GGR spend for the month?
Once I hit the $10k cap for the year, for instance next month in June, is there an easy way to check GGR spend for the month?