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
Jan 16, 2024, 11:48 am
#46
Join Date: Sep 2003
Posts: 270
This one is definitely online spend only. got the same! (with the usual exclusion list of taxes, insurance, etc in the fine print)
Jan 16, 2024, 1:14 pm
#48
Join Date: Nov 2021
Posts: 170
Super stoked. I wish the spend was $750 like last time but this is still a great one!
Earn 250,000 Bonus Shop Your Way® Points
when you make eligible online purchases totaling $1,000 or more on your Shop Your Way Mastercard® from 1/15/24 (or the date you activate this offer, whichever is later) through 2/14/24 for this offer .
Now through 2/14/24
Earn 250,000 Bonus Shop Your Way® Points
when you make eligible online purchases totaling $1,000 or more on your Shop Your Way Mastercard® from 1/15/24 (or the date you activate this offer, whichever is later) through 2/14/24 for this offer .
Now through 2/14/24
Jan 16, 2024, 4:09 pm
#52
Join Date: Feb 2013
Location: PHX
Programs: AA EXP, IHG PLT, IC Amb
Posts: 5,548
Jan 17, 2024, 4:50 pm
#55
Join Date: Jan 2024
Posts: 29
Target codes as discount store online when I purchased a gift card
I wonder if actual groceries code as groceries when purchased at Target.com
7-11 codes as vehicle services when used in store which counts as gas. I have other merchants which also code the same which counts as gas.
I do not think Citi sees what you actually purchase and goes by merchant category.
If anyone has more data points as what counts as gas but doesn’t actually code as gas it would be appreciated.
I wonder if actual groceries code as groceries when purchased at Target.com
7-11 codes as vehicle services when used in store which counts as gas. I have other merchants which also code the same which counts as gas.
I do not think Citi sees what you actually purchase and goes by merchant category.
If anyone has more data points as what counts as gas but doesn’t actually code as gas it would be appreciated.
Jan 17, 2024, 5:08 pm
#57
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: HH & IHG Gold; Marriott & AA Perpetual Platinum
Posts: 49,216
Jan 17, 2024, 5:48 pm
#58
Join Date: Sep 2003
Posts: 270
DoctorOfCredit has started a post where people are posting recent datapoints. The main thing I learned there so far is that buying vgc at 711 counts as gas (so 15% back instead of 13% buying at safeway, if you have a 10% ggr bonus and still under 10k/yr)
The other is that buying vgc thru various giftcard sites triggers online spend. Maybe these datapoints are all that's needed since the visa gc can then just be used to pay anything else you want that normally don't qualify (insurance, prop tax, etc)?
Jan 17, 2024, 5:58 pm
#59
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: HH & IHG Gold; Marriott & AA Perpetual Platinum
Posts: 49,216
Jan 17, 2024, 6:24 pm
#60
Join Date: Sep 2003
Posts: 270
now afaict, nothing posts when you hit the first tier, and maybe not the second tier either. So you really only know after the month is over (and may miss the bonus if in fact it didn't count).