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)
Aug 15, 2024 | 1:53 pm
#511
Join Date: Jul 2020
Posts: 170
Also got the $70 on $1000 online spend. Haven’t got the 200-250k offer in a while but at least I’m still getting offers.
Aug 15, 2024 | 3:20 pm
#512
Join Date: Aug 2003
Posts: 131
I received the 250k points for $1000 online spend. I've received the $70 for $1000 online spend for the past few months. Nice to get an upgrade!
Aug 15, 2024 | 8:36 pm
#513
Join Date: Feb 2023
Posts: 1,417
This evening when I logged in to Citi's syw.accountonline.com , the Current Balance was $150 less than what I saw yesterday.
However, the Account Activity still does not show the statement credit.
I am guessing that will show when the statement closes tomorrow.
Today I also received the email with 250K points for $1000+ online spending.
However, the Account Activity still does not show the statement credit.
I am guessing that will show when the statement closes tomorrow.
Today I also received the email with 250K points for $1000+ online spending.
Aug 16, 2024 | 7:53 am
#515
Join Date: Mar 2008
Posts: 2,013
When they have the 5% points rebate, I redeemed a bunch for the $200 VGC. It's a PITA to use, but I found I can add to Apple Pay and then it's fairly easy for the stores that take it. Most will let me split payment.
I'm also bathroom remodeling so Home Depot and Lowe's are also useful.
For the 3,000 -10k points that expire in like 3 weeks, I usually redeem for Amazon GC.
I'm also bathroom remodeling so Home Depot and Lowe's are also useful.
For the 3,000 -10k points that expire in like 3 weeks, I usually redeem for Amazon GC.
Aug 16, 2024 | 8:25 am
#517
Join Date: Aug 2003
Posts: 131
Have you found it difficult to use VGCs on such websites as you mention they're a PITA to use.
Aug 16, 2024 | 11:18 am
#518
Join Date: Feb 2023
Posts: 1,417
I can't speak to specifically the SYW VGCs, but I have had no problems in using VGCs in general to pay medical bills not covered by insurance.
It also worked to pay the water+sewer bill although I got charged 2.95% fee, but I am ahead still by 2.05%
Aug 16, 2024 | 11:20 am
#519
Join Date: Feb 2023
Posts: 1,417
When they have the 5% points rebate, I redeemed a bunch for the $200 VGC. It's a PITA to use, but I found I can add to Apple Pay and then it's fairly easy for the stores that take it. Most will let me split payment.
I'm also bathroom remodeling so Home Depot and Lowe's are also useful.
For the 3,000 -10k points that expire in like 3 weeks, I usually redeem for Amazon GC.
I'm also bathroom remodeling so Home Depot and Lowe's are also useful.
For the 3,000 -10k points that expire in like 3 weeks, I usually redeem for Amazon GC.
I should give that a try.
The quick expiring points, I redeemed for Amazon gift card too.
Aug 17, 2024 | 5:22 am
#520
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,650
Guide to Benefits
P2 recently received a World Mastercard upgrade on the SYW card and in the envelope was a Guide to Benefits. I’ve never actually seen the guide to benefits and it isn’t online. For anyone interested here it is. SYWMC is one of the very few card to retain Price Protection.
https://ibb.co/sjvZG6c
https://ibb.co/bmqQxn4
https://ibb.co/qyjFLz7
https://ibb.co/9pBb34p
https://ibb.co/yPg7Zh4
https://ibb.co/64xsr1Z
https://ibb.co/K0fnXbt
https://ibb.co/sjvZG6c
https://ibb.co/bmqQxn4
https://ibb.co/qyjFLz7
https://ibb.co/9pBb34p
https://ibb.co/yPg7Zh4
https://ibb.co/64xsr1Z
https://ibb.co/K0fnXbt
Aug 20, 2024 | 8:26 pm
#521
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
For the "Online purchases" requirement, does Paypal work when buying online or does it have to be direct with the merchant?
Aug 21, 2024 | 11:54 am
#522
Join Date: Jul 2020
Posts: 170
It’s been a while since I did PayPal, but I think it varies depending on the merchant despite the payment going through PayPal. You’d think it would always be an online transaction though. I think some of the purchases I made didn’t trigger the “card not present” alert while others did.
Aug 21, 2024 | 6:05 pm
#523
Join Date: Feb 2023
Posts: 1,417
EDIT: I am wrong. Paypal does not code as online.
Last edited by bdwyfan; Sep 16, 2024 at 5:57 pm
Aug 22, 2024 | 8:46 pm
#524
Join Date: Aug 2007
Posts: 201
Is anyone else having problems with using their SYW card and Walmart Pay for buying gift cards? I was going to buy some walmart gift cards (not the visa gift cards, just plain old physical Walmart giftcards) to fulfill the online spending offer and the GGR offer at the same time. Every time I try to buy gift cards and use Walmart pay to pay for the transaction the walmart app just stop the payment for security purposes and tells me to use another payment method.
Since I had another sub offer to do on a BoA CCR card, I decided to use that card and the transaction went through just fine on the app. Then when I tried it again on my SYW card, the app just stop the transaction again and tells me to use another payment method. I tried it again a third time but this time I had the gift card be only $5 and the transaction went through just fine on my SYW card via Walmart Pay. Anyone know how to solve this issue? I tried calling in both SYW and Walmart and both have no idea what I'm even talking about and point fingers at each other. I'm hoping I'm not stuck with buying $5 walmart gift cards here, because it is not feasible to buy in small amounts with such high spending requirements on these SYW offers.
Since I had another sub offer to do on a BoA CCR card, I decided to use that card and the transaction went through just fine on the app. Then when I tried it again on my SYW card, the app just stop the transaction again and tells me to use another payment method. I tried it again a third time but this time I had the gift card be only $5 and the transaction went through just fine on my SYW card via Walmart Pay. Anyone know how to solve this issue? I tried calling in both SYW and Walmart and both have no idea what I'm even talking about and point fingers at each other. I'm hoping I'm not stuck with buying $5 walmart gift cards here, because it is not feasible to buy in small amounts with such high spending requirements on these SYW offers.
Aug 23, 2024 | 8:24 am
#525
Join Date: Feb 2023
Posts: 1,417
Is anyone else having problems with using their SYW card and Walmart Pay for buying gift cards? I was going to buy some walmart gift cards (not the visa gift cards, just plain old physical Walmart giftcards) to fulfill the online spending offer and the GGR offer at the same time. Every time I try to buy gift cards and use Walmart pay to pay for the transaction the walmart app just stop the payment for security purposes and tells me to use another payment method.
Since I had another sub offer to do on a BoA CCR card, I decided to use that card and the transaction went through just fine on the app. Then when I tried it again on my SYW card, the app just stop the transaction again and tells me to use another payment method. I tried it again a third time but this time I had the gift card be only $5 and the transaction went through just fine on my SYW card via Walmart Pay. Anyone know how to solve this issue? I tried calling in both SYW and Walmart and both have no idea what I'm even talking about and point fingers at each other. I'm hoping I'm not stuck with buying $5 walmart gift cards here, because it is not feasible to buy in small amounts with such high spending requirements on these SYW offers.
Since I had another sub offer to do on a BoA CCR card, I decided to use that card and the transaction went through just fine on the app. Then when I tried it again on my SYW card, the app just stop the transaction again and tells me to use another payment method. I tried it again a third time but this time I had the gift card be only $5 and the transaction went through just fine on my SYW card via Walmart Pay. Anyone know how to solve this issue? I tried calling in both SYW and Walmart and both have no idea what I'm even talking about and point fingers at each other. I'm hoping I'm not stuck with buying $5 walmart gift cards here, because it is not feasible to buy in small amounts with such high spending requirements on these SYW offers.
The app would just sit there and spin.
The second time it happened, I fiddled around with the Walmart Pay app's wallet.
I removed all the Walmart gift cards I had saved. I wasn't sure if the app was trying to use the gift cards.
I reconfirmed the CVV for the SYW card. I think this may be important. When buying online on the Walmart website, it will ask you to reconfirm the CVV of a saved credit card.
I also had other grocery items.
And it worked.
Last edited by bdwyfan; Aug 23, 2024 at 8:30 am