To read previous discussion click HERE
Discussion of the discontinued Sears MasterCards which earn ThankYou Points has been moved to a separate thread, 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)
• Purchasing e-Gift cards from Paypal.com (Adidas posted as Restaurants-COMPUTER NETWORK/INFO SRVS)

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.