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)
Jun 2, 2024 | 5:24 pm
#421
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,650
Woo hoo!!!!!!!!!!!!!!!!!!!!!!!!!
when you use your Shop Your Way Mastercard® to make 5 eligible purchases each month of $60 or more each. Offer is valid 6/1/2024 (or from the date you activate this offer, whichever date is later) through 8/31/2024.
EARN A
$50 STATEMENT CREDIT EACH MONTH
when you use your Shop Your Way Mastercard® to make 5 eligible purchases each month of $60 or more each. Offer is valid 6/1/2024 (or from the date you activate this offer, whichever date is later) through 8/31/2024.
Jun 7, 2024 | 6:58 am
#422
Join Date: Feb 2013
Location: NYC
Programs: AA Gold, US Silver, Starwood Gold, Starbucks Gold
Posts: 345
I have a negative balance on my card due to a promotional statement credit. Any way to request a check or direct deposit back to my checking account?
Jun 7, 2024 | 8:18 am
#423
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,650
I received very sad news today which really hurts the value of the SYW Mastercard for me. Curve US is ending and I think cards are dead immediately based on the communication I received. For those of you who don't know, Curve was a credit card that allow you to route your purchases to any card you had linked to it. It was limited to Mastercard and Discover credit cards. Curve and SYW worked very well together.
1) All transactions made on Curve card passed the correct category through to the SYW card
2) All in person transactions made on Curve card coded as "online purchases" with SYW mastercard
3) Curve had a feature called "Go back in time" which allow you to move purchases from 1 card to another within 30 days. This feature was particularly important to because it allowed me to make $2000 in transactions on 1 SYW card and then move them to a 2nd SYW card. And while the SYW Mastercard consider returns when it comes to adding and deducting SYW points, it does not consider return purchases when applying purchases towards special offers.
So, essentially, I have been making $2000 in purchases a month around town and getting both $200 GGR rewards, both online rewards, and whatever other offer (6x $50, for example). Since CITI won't let me purchase gift cards directly with SYW Mastercards due to "fraud concerns" but those purchases did travel through Curve, I figure this loss is going to cost me a ~$3000 or so over the remainder of 2024. I definitely do not have $4k/mo of real GGR or even $1k/mo of online purchases.
Looks like I have until July 8 so I can get through June and hurry and complete July. Then decide how I want to move forward afterwards.
1) All transactions made on Curve card passed the correct category through to the SYW card
2) All in person transactions made on Curve card coded as "online purchases" with SYW mastercard
3) Curve had a feature called "Go back in time" which allow you to move purchases from 1 card to another within 30 days. This feature was particularly important to because it allowed me to make $2000 in transactions on 1 SYW card and then move them to a 2nd SYW card. And while the SYW Mastercard consider returns when it comes to adding and deducting SYW points, it does not consider return purchases when applying purchases towards special offers.
So, essentially, I have been making $2000 in purchases a month around town and getting both $200 GGR rewards, both online rewards, and whatever other offer (6x $50, for example). Since CITI won't let me purchase gift cards directly with SYW Mastercards due to "fraud concerns" but those purchases did travel through Curve, I figure this loss is going to cost me a ~$3000 or so over the remainder of 2024. I definitely do not have $4k/mo of real GGR or even $1k/mo of online purchases.
Looks like I have until July 8 so I can get through June and hurry and complete July. Then decide how I want to move forward afterwards.
Last edited by jags86; Jun 7, 2024 at 8:24 am
Jun 7, 2024 | 11:58 am
#424
Join Date: Aug 2003
Posts: 131
2) All in person transactions made on Curve card coded as "online purchases" with SYW mastercard
3) Curve had a feature called "Go back in time" which allow you to move purchases from 1 card to another within 30 days. This feature was particularly important to because it allowed me to make $2000 in transactions on 1 SYW card and then move them to a 2nd SYW card. And while the SYW Mastercard consider returns when it comes to adding and deducting SYW points, it does not consider return purchases when applying purchases towards special offers.
3) Curve had a feature called "Go back in time" which allow you to move purchases from 1 card to another within 30 days. This feature was particularly important to because it allowed me to make $2000 in transactions on 1 SYW card and then move them to a 2nd SYW card. And while the SYW Mastercard consider returns when it comes to adding and deducting SYW points, it does not consider return purchases when applying purchases towards special offers.
Jun 7, 2024 | 1:21 pm
#425
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,650
Jun 7, 2024 | 2:09 pm
#426
Join Date: Sep 2003
Posts: 372
Not a great deal - a year of supercharged returns, but now you can't make the min spend easily? Of course, the deals could end anytime anyway
Jun 7, 2024 | 3:55 pm
#427
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,650
I always thought they’d give me a hard time about returns, but they never did.
Jun 7, 2024 | 5:58 pm
#428
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
Woo hoo!!!!!!!!!!!!!!!!!!!!!!!!!
when you use your Shop Your Way Mastercard® to make 5 eligible purchases each month of $60 or more each. Offer is valid 6/1/2024 (or from the date you activate this offer, whichever date is later) through 8/31/2024.
EARN A
$50 STATEMENT CREDIT EACH MONTH
when you use your Shop Your Way Mastercard® to make 5 eligible purchases each month of $60 or more each. Offer is valid 6/1/2024 (or from the date you activate this offer, whichever date is later) through 8/31/2024.
Jun 7, 2024 | 7:01 pm
#429
Join Date: May 2024
Posts: 130
I saw some talk about about Kroger pay coding as online purchase. I tried it just now on a $500 VGC and it failed, an alternative payment method was requested.
Jun 7, 2024 | 7:16 pm
#430
Join Date: Nov 2021
Posts: 206
Jun 11, 2024 | 4:34 am
#431
Join Date: Jul 2005
Programs: Hilton Diamond, Starwood Platinum, AA, SW, Delta
Posts: 918
does anyone know if bestbuy.com counts for online purchase
Jun 12, 2024 | 8:30 am
#433
Join Date: Jan 2024
Posts: 99
Anybody GGR posted for May? April posted earlier than all my previous ones.
nothing for May
wondering if Citi is back to processing GGR around the 15th/20th like before
nothing for May
wondering if Citi is back to processing GGR around the 15th/20th like before
Jun 15, 2024 | 9:39 am
#435
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,650
