Old Jan 3, 2024, 2:04 pm
FlyerTalk Forums Expert How-Tos and Guides
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:
  • 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)
Expiration of points:
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
What didn't count as online purchase (alphabetical order):
  • Fluz (MCC varies, YMMV)
  • Geico.com (Services-INSURANCE-SALES / UNDERWRITING)
  • Paypal (MCC varies)
What counted as utilities purchase with Sears card (alphabetical order)
  • 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)
What didn't count as Travel purchase (alphabetical order):
  • VRBO
What didn't count as Restaurnt purchase (alphabetical order):
  • 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.

















Print Wikipost

Citi Sears and Shop Your Way (SYW) Cards

Old Jan 16, 2024, 11:48 am
  #46  
 
Join Date: Sep 2003
Posts: 270
Originally Posted by yepperoni
Finally got an offer for 250k points (basically $250 in GC) with $1k spend! Been seeing everyone else get this while I was stuck with the $50 or $70 offers for the past couple months.
This one is definitely online spend only. got the same! (with the usual exclusion list of taxes, insurance, etc in the fine print)
yepperoni likes this.
libralibra is offline  
Old Jan 16, 2024, 1:06 pm
  #47  
 
Join Date: Jul 2021
Posts: 88
Wow

Wow

Wow
TyrannicalDuncery likes this.
fatlard is offline  
Old Jan 16, 2024, 1:14 pm
  #48  
 
Join Date: Nov 2021
Posts: 169
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
TyrannicalDuncery likes this.
ptatohed is offline  
Old Jan 16, 2024, 1:28 pm
  #49  
 
Join Date: Jun 2011
Location: SFO
Programs: Hilton-Gold
Posts: 709
Filled Gas at 711 Gas station and i see charges as: Vehicle Services-AUTOMATED GAS DISPENSER

Will this considered as Gas charge?
TyrannicalDuncery likes this.
concordian is offline  
Old Jan 16, 2024, 1:40 pm
  #50  
 
Join Date: Jul 2021
Posts: 88
Did we get final confirmation whether utilities (Edison, Con Ed, Comed) when paid over the phone counts as online purchases?
TyrannicalDuncery likes this.
fatlard is offline  
Old Jan 16, 2024, 3:09 pm
  #51  
 
Join Date: Oct 2004
Location: Greater Chicagoland Area
Programs: frontier Elite, Hertz PC
Posts: 1,466
Got $30 statement credit for $500+ online spending. Didn't have a Dec 15 offer for that but it's back.
TyrannicalDuncery likes this.
rhwbullhead is offline  
Old Jan 16, 2024, 4:09 pm
  #52  
IHG Contributor Badge
 
Join Date: Feb 2013
Location: PHX
Programs: AA EXP, IHG PLT, IC Amb
Posts: 5,541
Originally Posted by libralibra
You mean Online or Any spend? I haven't gotten the any spend offer type on my card ever (syw version) - read reports here that those stack with all other offers too so pretty nice.
Fixed it. Its online spend like every other month.
TyrannicalDuncery likes this.
355F1 is offline  
Old Jan 16, 2024, 4:17 pm
  #53  
 
Join Date: Oct 2007
Programs: AA, WN, UA, Bonvoy, Hertz
Posts: 2,495
Originally Posted by concordian
Filled Gas at 711 Gas station and i see charges as: Vehicle Services-AUTOMATED GAS DISPENSER

Will this considered as Gas charge?
Yes.
rasheed is offline  
Old Jan 17, 2024, 9:31 am
  #54  
 
Join Date: Jun 2023
Posts: 196
Does anyone know whether it's possible to set up 2FA on the Citi SYW site?

Like when I go to manage my card, I can sign in with username and password. I would prefer it to require a code or a key or something.
TyrannicalDuncery is offline  
Old 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 doesnt actually code as gas it would be appreciated.
hurnik and TyrannicalDuncery like this.
supremeflyer is offline  
Old Jan 17, 2024, 4:55 pm
  #56  
 
Join Date: Jun 2011
Location: SFO
Programs: Hilton-Gold
Posts: 709
I am struggling for Utilities & Transport/Entertainment categories. If anyone has any data points, please share or PM.
concordian is offline  
Old Jan 17, 2024, 5:08 pm
  #57  
mia
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: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,083
Originally Posted by concordian
....Utilities ........
Note that there is a short section in the Wikipost at the top pf the thread titled:
What counted as utilities purchase with Sears card (alphabetical order)
mia is offline  
Old Jan 17, 2024, 5:48 pm
  #58  
 
Join Date: Sep 2003
Posts: 270
Originally Posted by mia
Note that there is a short section in the Wikipost at the top pf the thread titled:
What counted as utilities purchase with Sears card (alphabetical order)
Sadly the wiki hasn't been updated in over 3 years, since it looks like it was just copied from the old thread. btw why is there no link to the orig thread "Citi Sears Cards (2014 - 2023)"

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)?
hurnik and ptatohed like this.
libralibra is offline  
Old Jan 17, 2024, 5:58 pm
  #59  
mia
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: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,083
Originally Posted by libralibra
....no link to the orig thread .... buying vgc at 711 counts as gas
I have added a link to the previous thread.

7-11 locations are franchised, and not all are in the gasoline business. I would not generalize from experiences at one location.
mia is offline  
Old Jan 17, 2024, 6:24 pm
  #60  
 
Join Date: Sep 2003
Posts: 270
Originally Posted by mia
I have added a link to the previous thread.

7-11 locations are franchised, and not all are in the gasoline business. I would not generalize from experiences at one location.
and now they've made this harder to test too. Before you could get close to the first tier and then buy something somewhere (eg a particular 711 or whatever) and wait 5-7 days to see if the whole thing triggered, and then continue to buy small amounts in other places to see if each triggers incrementally.

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).
libralibra is offline  

Thread Tools
Search this Thread

Contact Us - Manage Preferences Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service -

This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.