topic Re: Shop your Way card sucks in Credit Cards

Shop your Way card

AzCreditGuy — Sat, 01 Feb 2025 00:04:30 GMT

This board has been great getting credit information and feedback on cards, but the SYW card sucks. The posts I see about this card make it seem like a great card. For my needs its not and the CB that I thought I would be getting I am getting from other cards.

The card has zero mobile app support.

The card can not be added to apple pay.

You cant download statement in PDF to see your promos?

This card is as bad as a BMO bank account and applying for a CC with them. Wish I would have applied for another CITI card and not this one

Re: Shop your Way card sucks

Rogue46 — Wed, 22 Jan 2025 21:06:46 GMT

That's good to know I've been following the other mega thread about this card and it looked interesting but no apple pay or mobile app support? That would be a deal breaker for me

Re: Shop your Way card sucks

Bockrocker — Wed, 22 Jan 2025 21:59:36 GMT

It does provide PDFs. Takes a few days after statement close to generate.

https://ibb.co/CK69KF2

As for the rest, no one promised you those things. Only massive cashback. It has it's quirks. If you value not physically carrying the card with you at $2400 a year, that's probably just you.

Re: Shop your Way card sucks

dlister70 — Thu, 23 Jan 2025 01:01:39 GMT

PDF is an option for me, but the statement that cut today isn't shown yet. It does take a few days.

Every card isn't for every person.

I didn't know that it wouldn't work with Apple pay because I don't use Apple pay, so that isn't a sticking point for me.

It looks like you just got the card very recently, and probably haven't started to get any good offers rolling in. It takes a little while for that to start. Right now I've got 10% cashback for gas/groceries/restaurants if I spend $1000 in those categories and also 10% back for online spending if I spend $1000. There are lots of ways to "online spend" that I wouldn't have thought of. I bought groceries yesterday using the Kroger pay app, because that counts for both grocery AND online. Walmart pay does too. I just learned that fast food apps count for both. We went to breakfast at Cracker Barrel and paid the check using their app instead of at the cash register because it counts for both that way. So now just normal purchases are counting towards that online category and I'll end up getting 10% back in both.

Yeah, it's a little quirky, but for ~23% cash back (I think that you still get the base 3% too?), I'm ok with using apps to pay instead of handing the card to someone.

Some people don't want to mess with multiple cards to maximize cash back, and certainly not multiple methods of apps to squeeze the most out of it. My girlfriend just wants one card to give to every one. Simple. She doesn't care about maximizing cash back. I like to get different cards that give better cashback on a certain category. I suspect that a lot of people on a credit card forum are like that.

Neither of us is wrong. It's just preference.

I'm sorry that you don't like your new card. Maybe if you use it until you get some offers that you like, it will be more appealing to you. Or maybe not.

Re: Shop your Way card sucks

ptatohed — Wed, 22 Jan 2025 23:00:08 GMT

Title is not fair. The card doesn't "suck", the card just isn't for you.

Re: Shop your Way card sucks

FicoMike0 — Wed, 22 Jan 2025 22:56:56 GMT

Good to hear both sides.

No mobile app might be a drawback, I tend to use them.

I do have a bmo account, they paid a $400 bribe, I'm about to close it. No credit cards im interested in.

Thanks for the rundown on syw.

Re: Shop your Way card sucks

unsungivy — Thu, 23 Jan 2025 03:14:53 GMT

Terrible title. Should be sued for libel. 🙄

True no mobile wallet (f* people who say "Apple Pay" by default instead of an inclusive term) support is unfortunate, but this is also the case for other Citi dept store cards, like Macy's and Best Buy. You can add them to pretty much every specific mobile app however (haven't encountered any I couldn't), so don't confuse mobile apps with mobile wallet (also, it HAS SYW mobile app, so download it?) And oh noes, I can pay all of them by debit card... I'll take the 1% extra cash back as compensation for it being one of three physical cards in my wallet, thanks, making it a 2% everything/6% gas/4% dining& supermarket card before any offers or deals even figure in.

If you can't make it work after deciding to apply AFTER all the data points outlining everyone's ups and downs with it, that's truly on you.

It's not a "starter" card. It's for "next-level" MyFICOers who can handle timing spend and tracking emails for offers. I would never recommend this card to a credit card "beginner".

Hell, I reread the mega-thread every now and then from the beginning as I have more and more context for the data points various people experienced.

This card is amazing. Feel free to cancel it. The less users it has, the less likely it is to get nerfed.

Re: Shop your Way card sucks

creditrizz — Thu, 23 Jan 2025 03:00:38 GMT

I gotta admit this card looks and sounds like something out of the 90s

Re: Shop your Way card sucks

AzCreditGuy — Thu, 23 Jan 2025 03:38:28 GMT

@Bockrocker wrote:
It does provide PDFs. Takes a few days after statement close to generate.
https://ibb.co/CK69KF2

As for the rest, no one promised you those things. Only massive cashback. It has it's quirks. If you value not physically carrying the card with you at $2400 a year, that's probably just you.

Dont need to carry cards with me when places accept Apple Pay or Google.....Sorry you dont embrace tech like I do and would rather leave the cards at home, PS enjoy replacing those cards when they get screwed up from swipping...

Re: Shop your Way card sucks

AzCreditGuy — Thu, 23 Jan 2025 03:41:02 GMT

@dlister70 wrote:

PDF is an option for me, but the statement that cut today isn't shown yet. It does take a few days.

Every card isn't for every person.

I didn't know that it wouldn't work with Apple pay because I don't use Apple pay, so that isn't a sticking point for me.

It looks like you just got the card very recently, and probably haven't started to get any good offers rolling in. It takes a little while for that to start. Right now I've got 10% cashback for gas/groceries/restaurants if I spend $1000 in those categories and also 10% back for online spending if I spend $1000. There are lots of ways to "online spend" that I wouldn't have thought of. I bought groceries yesterday using the Kroger pay app, because that counts for both grocery AND online. Walmart pay does too. I just learned that fast food apps count for both. We went to breakfast at Cracker Barrel and paid the check using their app instead of at the cash register because it counts for both that way. So now just normal purchases are counting towards that online category and I'll end up getting 10% back in both.

Yeah, it's a little quirky, but for ~23% cash back (I think that you still get the base 3% too?), I'm ok with using apps to pay instead of handing the card to someone.

Some people don't want to mess with multiple cards to maximize cash back, and certainly not multiple methods of apps to squeeze the most out of it. My girlfriend just wants one card to give to every one. Simple. She doesn't care about maximizing cash back. I like to get different cards that give better cashback on a certain category. I suspect that a lot of people on a credit card forum are like that.

Neither of us is wrong. It's just preference.

I'm sorry that you don't like your new card. Maybe if you use it until you get some offers that you like, it will be more appealing to you. Or maybe not.

Thanks your reply is the best one here...But the card is doesnt work for me for what I do and need from it....Other can take from it and have and others seems butt hurt? Its my OP

Re: Shop your Way card sucks

AzCreditGuy — Thu, 23 Jan 2025 03:42:33 GMT

@FicoMike0 wrote:
Good to hear both sides.
No mobile app might be a drawback, I tend to use them.
I do have a bmo account, they paid a $400 bribe, I'm about to close it. No credit cards im interested in.
Thanks for the rundown on syw.

Same as soon I get the SUB I am closing BMO and never heard back about the CC as well.

Re: Shop your Way card sucks

Bockrocker — Thu, 23 Jan 2025 03:44:53 GMT

@creditrizz wrote:
I gotta admit this card looks and sounds like something out of the 90s

I mean, it was literally the Sears card before being rebranded as something more generic. I put off applying for years, sure that it would be discontinued or the crazy offers would stop but it just keeps going (allegedly because of a valuable portfolio of old boomers who carry balances)

Re: Shop your Way card sucks

AzCreditGuy — Thu, 23 Jan 2025 03:52:01 GMT

@unsungivy wrote:
Terrible title. Should be sued for libel. 🙄

True no mobile wallet (f* people who say "Apple Pay" by default instead of an inclusive term) support is unfortunate, but this is also the case for other Citi dept store cards, like Macy's and Best Buy. You can add them to pretty much every specific mobile app however (haven't encountered any I couldn't), so don't confuse mobile apps with mobile wallet (also, it HAS SYW mobile app, so download it?) And oh noes, I can pay all of them by debit card... I'll take the 1% extra cash back as compensation for it being one of three physical cards in my wallet, thanks, making it a 2% everything/6% gas/4% dining& supermarket card before any offers or deals even figure in.

If you can't make it work after deciding to apply AFTER all the data points outlining everyone's ups and downs with it, that's truly on you.

It's not a "starter" card. It's for "next-level" MyFICOers who can handle timing spend and tracking emails for offers. I would never recommend this card to a credit card "beginner".

Hell, I reread the mega-thread every now and then from the beginning as I have more and more context for the data points various people experienced.

This card is amazing. Feel free to cancel it. The less users it has, the less likely it is to get nerfed.

You sould like a chaser of fake lawsuits...."beginner" You mean go to the website and chase down Taco Bell, Dominos, etc or the coupons they offer? Did you try to sound so advanced and yet came out as a dunce?

Re: Shop your Way card sucks

Bockrocker — Thu, 23 Jan 2025 03:55:58 GMT

@AzCreditGuy wrote:
@Bockrocker wrote:
It does provide PDFs. Takes a few days after statement close to generate.
https://ibb.co/CK69KF2

As for the rest, no one promised you those things. Only massive cashback. It has it's quirks. If you value not physically carrying the card with you at $2400 a year, that's probably just you.
Dont need to carry cards with me when places accept Apple Pay or Google.....Sorry you dont embrace tech like I do and would rather leave the cards at home, PS enjoy replacing those cards when they get screwed up from swipping...

I carry my wallet and phone when I go out anyways. It makes absolutely no difference. And Walmart doesn't take mobile payments anyway, except their own which is where I usually complete the GGR spending.

I'm not "butthurt". This card is for people who value the amount/percent of cashback over everything else. If the most important thing to you was compatibility with Apple Pay, you could have asked in the mega thread (or done a Google search) and not only would you have discovered it didn't work with mobile wallets in about 30 seconds, you could have saved yourself a hard pull too.

Re: Shop your Way card sucks

AzCreditGuy — Thu, 23 Jan 2025 03:55:59 GMT

@creditrizz wrote:
I gotta admit this card looks and sounds like something out of the 90s

Some people are unware of how stuck in the 90s this card seems to be, as you can tell some are mad I said this card sucks....For me it does 5% gas? I get that from my Sams Buss card, 3% grocery stores? I get that from Sams card as well...Overall Purchases are still at 1% if no coupons or deals are tied to the card....Again Sams does that....But at least with Sams I can use Apple Pay and leave the **bleep** card at home....

Re: Shop your Way card sucks

AzCreditGuy — Thu, 23 Jan 2025 04:04:17 GMT

@Bockrocker wrote:
@AzCreditGuy wrote:
@Bockrocker wrote:
It does provide PDFs. Takes a few days after statement close to generate.
https://ibb.co/CK69KF2

As for the rest, no one promised you those things. Only massive cashback. It has it's quirks. If you value not physically carrying the card with you at $2400 a year, that's probably just you.
Dont need to carry cards with me when places accept Apple Pay or Google.....Sorry you dont embrace tech like I do and would rather leave the cards at home, PS enjoy replacing those cards when they get screwed up from swipping...
I carry my wallet and phone when I go out anyways. It makes absolutely no difference. And Walmart doesn't take mobile payments anyway, except their own which is where I usually complete the GGR spending.

I'm not "butthurt". This card is for people who value the amount/percent of cashback over everything else. If the most important thing to you was compatibility with Apple Pay, you could have asked in the mega thread (or done a Google search) and not only would you have discovered it didn't work with mobile wallets in about 30 seconds, you could have saved yourself a hard pull too.

Never said you were, but you did...and some who have followed the mega thread didnt realize the things I posted as well....Hmmm feedback helps....Some of you that have use for it well great that works for you....For me I am now seeing it wont work for me....Mega thread doesnt account for all

Re: Shop your Way card sucks

redpat — Thu, 23 Jan 2025 06:38:26 GMT

Lol! Yep a mega thread of the same 3-5 people cult that love the card, they can just use the PM feature now instead of the thread.

They are old news and the thread should have been canned long ago, just like other threads in the past.

Talk about an "echo chamber"......

Re: Shop your Way card sucks

unsungivy — Thu, 23 Jan 2025 12:07:41 GMT

@AzCreditGuy wrote:
@unsungivy wrote:
Terrible title. Should be sued for libel. 🙄

True no mobile wallet (f* people who say "Apple Pay" by default instead of an inclusive term) support is unfortunate, but this is also the case for other Citi dept store cards, like Macy's and Best Buy. You can add them to pretty much every specific mobile app however (haven't encountered any I couldn't), so don't confuse mobile apps with mobile wallet (also, it HAS SYW mobile app, so download it?) And oh noes, I can pay all of them by debit card... I'll take the 1% extra cash back as compensation for it being one of three physical cards in my wallet, thanks, making it a 2% everything/6% gas/4% dining& supermarket card before any offers or deals even figure in.

If you can't make it work after deciding to apply AFTER all the data points outlining everyone's ups and downs with it, that's truly on you.

It's not a "starter" card. It's for "next-level" MyFICOers who can handle timing spend and tracking emails for offers. I would never recommend this card to a credit card "beginner".

Hell, I reread the mega-thread every now and then from the beginning as I have more and more context for the data points various people experienced.

This card is amazing. Feel free to cancel it. The less users it has, the less likely it is to get nerfed.

You sould like a chaser of fake lawsuits...."beginner" You mean go to the website and chase down Taco Bell, Dominos, etc or the coupons they offer? Did you try to sound so advanced and yet came out as a dunce?

I'm not the one unable to use the Quote function correctly.

Also, the only time I've ever been to the SYW website was when I applied for the card. If you're going to the website, you're doing it wrong. As I explained. Exhaustively. There's an app you continue to choose to be stubbornly ignorant of.

Re: Shop your Way card sucks

odd_dog — Thu, 23 Jan 2025 12:12:01 GMT

For me the issue is that people that like this card call it CASH BACK which it IS NOT....it is "gift card" back, that is way more accurate. I love cash back that I can put in a bank account not gift cards. Not every card is for everyone, but I feel reading posts about this particular card is they miss label it as CASH BACK and it is not...

Re: Shop your Way card sucks

coldfusion — Thu, 23 Jan 2025 12:37:42 GMT

@AzCreditGuy wrote:
@creditrizz wrote:
I gotta admit this card looks and sounds like something out of the 90s
Some people are unware of how stuck in the 90s this card seems to be, as you can tell some are mad I said this card sucks....For me it does 5% gas? I get that from my Sams Buss card, 3% grocery stores? I get that from Sams card as well...Overall Purchases are still at 1% if no coupons or deals are tied to the card....Again Sams does that....But at least with Sams I can use Apple Pay and leave the **bleep** card at home....

I'm certainly not mad, but then again I averaged just over 9.5% cashback in aggregate across the $21K of spend on my TYP earning Sears card (it started out as a Sears charge card back when I was in college and I was in the 1st wave that Citi converted to Mastercards when they took over the portfolio in 2003) in 2024. FWIW, Citi has been throwing me these types of offers since 2018 for gas, grocery, restaurant, online, utility, travel, and sometimes even non-category spend and while unfortunately the card hasn't been working out for you it sure has for me.