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: 35. You may not vote on this poll
Jan 3, 2024, 2:04 pm
Last edit by: rrgg
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:
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.
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)
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)
- Purchasing e-Gift cards from Paypal.com (Adidas posted as Restaurants-COMPUTER NETWORK/INFO SRVS)
- 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 Shop Your Way (SYW) Cards (2023 - 2024)
Feb 1, 2024 | 9:18 pm
#92
Join Date: Nov 2021
Posts: 206
ptatohed,
please enjoy this promotional APR of
0.00% on all new purchases after activation made outside of Sears, Kmart and Shop Your Way with your Shop Your Way Mastercard until* 2/1/2025.After that, your regular, variable purchase APR will apply: 30.49% This APR is as of 1/24/2024 and will vary with the market based on the Prime Rate.
Activate your offer by 2/25/2024.
Feb 2, 2024 | 11:11 am
#93
Join Date: Nov 2008
Posts: 50
Just got an offer for 5x points on home improvement stores. IIRC best buy worked for this last year and stacked w/online purchase offers.
Feb 2, 2024 | 11:19 am
#94
Join Date: Nov 2021
Posts: 206
Woo-hoo, already got my 250,000 SYW points ($250 in points) for $1,000 on-line spend even though I am only halfway through the period.
To get to $1000 on-line spend, I paid / pre-paid about $700 in utilities (maybe overdid it a little, I admit). That gave me the double-dip 5% utils offer, so I have a $35 statement credit too.
To get to $1000 on-line spend, I paid / pre-paid about $700 in utilities (maybe overdid it a little, I admit). That gave me the double-dip 5% utils offer, so I have a $35 statement credit too.
Feb 2, 2024 | 2:06 pm
#95
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA, IHG & Marriott Platinum; DL & HH Gold
Posts: 51,823
Feb 2, 2024 | 2:56 pm
#96
Join Date: Nov 2021
Posts: 206
No more TYPs as far as I know. I would like the TYP Sears version and earn true cash back at 1cpp or even 1.1cpp and not have to mess with gift cards but with 1% CB only, I'm thinking it's better to have the 5%/3% SYW version and mess with gift cards.
Feb 2, 2024 | 3:15 pm
#97
Join Date: Dec 2019
Posts: 66
Finally, got my SO a SYW card as well....hope they keep the offers coming.
Feb 2, 2024 | 7:57 pm
#98
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 5,221
It seems like the TYP is very lucrative (BUT NOT AVAILABLE) and the SYW makes you jump through a lot of hoops for nothing special?
Feb 2, 2024 | 8:00 pm
#99
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA, IHG & Marriott Platinum; DL & HH Gold
Posts: 51,823
Feb 2, 2024 | 9:04 pm
#100
Join Date: Jun 2022
Posts: 79
I personally like my SYW card. Even if the offer's aren't there, it is still a 5% gas card. Sure the rewards is in SYW points, but it does allow you to redeem as a Visa e-gift card. I don't know if they changed anything recently, but I used to redeem those Visa e-gift cards to pay my bills. So it is ok in my book. But the offers are bonkers and what makes the card so good. Currently I'm sitting on three different offers running at the same time. 10% in gas, grocery, restaurant ($500 min spend per month and lasts a whole year), 6% in online spending ($500 min spend for this month), and 5% on everything else ($400 min spend for the next 3 months). They even give me a 0% financing offer on $400 purchases for the whole year.
There is not a single other card that can give me 10% in grocery, gas, and restaurant for a whole year as long as meet the min spending of $500 every month. Then they throw in another 5% on top of that as long as I meet $400 min spending every month for the next 3 months. That is absurd. Today's cards are where 5% is generally considered the best rewards rate for any given category and the Sears card of all things blow them all out of the water. This is all not even considering the 5% gas/ 3%grocery/ 3% restaurant SYW rewards.
There is not a single other card that can give me 10% in grocery, gas, and restaurant for a whole year as long as meet the min spending of $500 every month. Then they throw in another 5% on top of that as long as I meet $400 min spending every month for the next 3 months. That is absurd. Today's cards are where 5% is generally considered the best rewards rate for any given category and the Sears card of all things blow them all out of the water. This is all not even considering the 5% gas/ 3%grocery/ 3% restaurant SYW rewards.
Feb 3, 2024 | 7:58 am
#102
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,650
Feb 3, 2024 | 4:11 pm
#103
Join Date: Jun 2023
Posts: 365
Yeah, similar to what the others said. For a churner it may not seem like much (ET mentioned 5/24 so maybe that's where they are coming from).
But as someone with medium organic spend and a fear of true churning, this is a great card for me. It seems like the ROI is actually higher than most of the churning SUBs, although I'm no expert. But the caps are probably lower, so if you MS then maybe it's not worth your time. (But then why not both?)
But as someone with medium organic spend and a fear of true churning, this is a great card for me. It seems like the ROI is actually higher than most of the churning SUBs, although I'm no expert. But the caps are probably lower, so if you MS then maybe it's not worth your time. (But then why not both?)
Feb 3, 2024 | 7:32 pm
#104
Join Date: Nov 2021
Posts: 206
Yeah, similar to what the others said. For a churner it may not seem like much (ET mentioned 5/24 so maybe that's where they are coming from).
But as someone with medium organic spend and a fear of true churning, this is a great card for me. It seems like the ROI is actually higher than most of the churning SUBs, although I'm no expert. But the caps are probably lower, so if you MS then maybe it's not worth your time. (But then why not both?)
But as someone with medium organic spend and a fear of true churning, this is a great card for me. It seems like the ROI is actually higher than most of the churning SUBs, although I'm no expert. But the caps are probably lower, so if you MS then maybe it's not worth your time. (But then why not both?)
Feb 3, 2024 | 11:49 pm
#105
Join Date: Sep 2011
Programs: Virgin Atlantic Silver, IHG Diamond, Bonvoy Gold, Hilton Diamond, AA Platinum Pro, Sixt Diamond
Posts: 1,478
Is anyone having problems making online purchase with the SYW card? Whenever I try to make a charge on a site that requires a one-time passcode (3D Secure I believe it's called), I get an error message saying no email or phone contact details have been provided and therefore no passcode can be sent. My profile has both a cell phone and email address, of course, and the call center confirmed with the security team that it's on file. It's making hitting the spend targets for online spend challenging...