topic Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23 in Credit Cards

I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

ptatohed — Mon, 02 Jan 2023 20:48:28 GMT

This citi Shop Your Way card has completely disrupted the way I use my rotating category cards! Ever since I got the card in August '22, there has been one monthly offer or another, usually something like $45 statement credit for $1,000 spend in 30 days (that's 4.5% CB right there, and this is on top of the 5%, 3%, or 1% you earn while spending the $1,000). Sometimes the offers overlap and spending works toward both offers.

Received an email with the below invitation. 10% CB in statement credits in gas, dining, and grocery for $700 - $800 spend per month for Q1 '23. And this is on top of the regular 5% gas, 3% dining/grocery.

Once again, little/no need for Disco (5% groc), Freedom (5% groc), or nusenda (5% groc + gas), and citi CC (was gonna use for 5% dining), unless I think I will exceed the $800 spend per month in these categories, or I can use them for another category.

My only concern is if I can't reach $700 spend per month in these 3 categories. That might be just above the high end of our regular spend. I'll think of something.

ptatohed,
Activate this offer and you can earn

10%

back in statement credits

on total eligible gas station, grocery store and restaurant purchases of $700 or more made each month (up to a maximum total of $80 in statement credit(s) each month) using your Shop Your Way Mastercard from 1/1/2023 (or the date you activate this offer, whichever is later) through 3/31/2023.1

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

Sspartan — Mon, 02 Jan 2023 19:08:40 GMT

This is one of my favorite cards. I have attached the promo from last quarter. I try to make sure I get the most out the promo.

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

PlaidRaptor — Mon, 02 Jan 2023 13:01:29 GMT

I took a look at the card based on your post, and one thing is slightly unclear to me. Are the only redemption options for points gift cards or toward purchases at specific merchants?

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

Sspartan — Mon, 02 Jan 2023 13:14:06 GMT

Statement credits are credited to your balance and the points you earn can be redeemed for gift cards, I usually get Amazon or Walmart gift cards

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

coldfusion — Mon, 02 Jan 2023 14:23:42 GMT

I have a TYP-earning Sears MC; I got essentially the same offer last week for this quarter except it's for 10X bonus TYP/$ = 11 net TYP/$. My TYP are all consolidated in a single TYP account with my Premier as primary, which lets me cash them out via an ACH transfer at $0.01 each.

Dollar for dollar spend this card has been my best net earner over the last 5 years. As long as this gravy train keeps running I'll keep riding it.

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

SouthJamaica — Mon, 02 Jan 2023 20:47:47 GMT

@ptatohed wrote:
This citi Shop Your Way card has completely disrupted the way I use my rotating category cards! Ever since I got the card in August '22, there has been one monthly offer or another, usually something like $45 statement credit for $1,000 spend in 30 days (that's 4.5% CB right there, and this is on top of the 5%, 3%, or 1% you earn while spending the $1,000. Sometimes the offers overlap and spending works toward both offers.

Received an email with the below invitation. 10% CB in statement credits in gas, dining, and grocery for $700 - $800 spend per month for Q1 '23. And this is on top of the regular 5% gas, 3% dining/grocery.

Once again, little/no need for Disco (5% groc), Freedom (5% groc), or nusenda (5% groc + gas), and citi CC (was gonna use for 5% dining), unless I think I will exceed the $800 spend per month in these categories, or I can use them for another category.

My only concern is if I can't reach $700 spend per month in these 3 categories. That might be just above the high end of our regular spend. I'll think of something.

ptatohed,
Activate this offer and you can earn
10%
back in statement credits
on total eligible gas station, grocery store and restaurant purchases of $700 or more made each month (up to a maximum total of $80 in statement credit(s) each month) using your Shop Your Way Mastercard from 1/1/2023 (or the date you activate this offer, whichever is later) through 3/31/2023.1

Once again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

FinStar — Mon, 02 Jan 2023 19:13:27 GMT

@SouthJamaica
Once again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed

@SouthJamaica wrote:
My goals are to pay down balances and refrain from adding new accounts

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

ptatohed — Mon, 02 Jan 2023 20:44:32 GMT

@Sspartan wrote:
Statement credits are credited to your balance and the points you earn can be redeemed for gift cards, I usually get Amazon or Walmart gift cards

^ Exactly this. Statement credits are true CB obviously. Points earned with the card (5%, 3%, 1% back in 'points') are used for merchants (I've never done) or a very generous list of gift cards. It does make it not exactly a true 5%, 3%, or 1% CB because you aren't getting any additional CB while spending the gift card. But the other offers more than make up for it. One little example is you get $3 if you make 3 grocery purchases using the SYW app in a month. There are others. Like Ss, it's easiest for me to get Amazon cards and upload to my Amazon account. Ideally, you'd pick a gift card from a merchant you would have frequented anyway and they don't fit one of your card's 5% category. But, again, Amazon upload is the simplest for me, at the expense of not earning 5% while spending it.

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

ptatohed — Mon, 02 Jan 2023 19:25:49 GMT

@SouthJamaica wrote:

Once again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed
Sorry SJ!

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

SouthJamaica — Mon, 02 Jan 2023 19:23:45 GMT

@FinStar wrote:
@SouthJamaica
Once again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed

@SouthJamaica wrote:
My goals are to pay down balances and refrain from adding new accounts

Well we don't always accomplish our goals I refrained for 1 1/2 days. Doesn't that count for anything?

Besides, it's not my fault, it's @ptatohed 's fault.

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

FinStar — Mon, 02 Jan 2023 22:55:04 GMT

@SouthJamaica wrote:
@FinStar wrote:
@SouthJamaica
Once again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed

@SouthJamaica wrote:
My goals are to pay down balances and refrain from adding new accounts

Well we don't always accomplish our goals I refrained for 1 1/2 days. Doesn't that count for anything?

I realize goals can change, and this was merely a PSA so that when you respond to others who may need advice and you reply with 'not to apply for any more cards' that 'we walk the talk', that's all 😁

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

SweetCreditObsession — Mon, 02 Jan 2023 20:36:02 GMT

@SouthJamaica wrote:
@FinStar wrote:
@SouthJamaica
Once again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed

@SouthJamaica wrote:
My goals are to pay down balances and refrain from adding new accounts

Well we don't always accomplish our goals I refrained for 1 1/2 days. Doesn't that count for anything?

Besides, it's not my fault, it's @ptatohed 's fault.

It's tough reading these boards at times...temptations to apply are everywhere!

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

Anonymous — Tue, 03 Jan 2023 00:47:53 GMT

@SweetCreditObsession wrote:
It's tough reading these boards at times...temptations to apply are everywhere!

Speaking of which, I saw this really great credit card on some forum recently. Don't remember all the details, except it was really great!

Also a very easy application. You just put $10 in an envelope and sent it to

LTL Bank Really Great Credit Card

P.O. Box 77777

Little Rock, AR 72201

You can include a form with name, address, SSN and whether you want an AU and/or a BT, but not essential.

It's non-refundable, but a) NO HP!!!! and b) it's a great card.

Apply early as this could be FotM

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

SouthJamaica — Tue, 03 Jan 2023 03:43:38 GMT

@FinStar wrote:
@SouthJamaica wrote:
@FinStar wrote:
@SouthJamaica
Once again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed

@SouthJamaica wrote:
My goals are to pay down balances and refrain from adding new accounts

Well we don't always accomplish our goals I refrained for 1 1/2 days. Doesn't that count for anything?

I realize goals can change, and this was merely a PSA so that when you respond to others who may need advice and you reply with 'not to apply for any more cards' that 'we walk the talk', that's all 😁

I think it's ok to give good advice even when one's own conduct is reprehensible.

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

Xanthos472 — Wed, 04 Jan 2023 16:39:23 GMT

@coldfusion wrote:
I have a TYP-earning Sears MC; I got essentially the same offer last week for this quarter except it's for 10X bonus TYP/$ = 11 net TYP/$. My TYP are all consolidated in a single TYP account with my Premier as primary, which lets me cash them out via an ACH transfer at $0.01 each.

Dollar for dollar spend this card has been my best net earner over the last 5 years. As long as this gravy train keeps running I'll keep riding it.

@coldfusion Is the TYP version still available as a PC option?

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

ptatohed — Wed, 04 Jan 2023 16:39:59 GMT

@Xanthos472 wrote:
@coldfusion wrote:
I have a TYP-earning Sears MC; I got essentially the same offer last week for this quarter except it's for 10X bonus TYP/$ = 11 net TYP/$. My TYP are all consolidated in a single TYP account with my Premier as primary, which lets me cash them out via an ACH transfer at $0.01 each.

Dollar for dollar spend this card has been my best net earner over the last 5 years. As long as this gravy train keeps running I'll keep riding it.
@coldfusion Is the TYP version still available as a PC option?

I am pretty sure you can't link the citi SYW card with other citi cards and combine TY points. But those who had this feature are grandfathered (like @coldfusion ). In fact, my SWY card doesn't even call them Thank You points. And whereas 100 TY points = $1.00, the SYW card is 1,000 points = $1.00 (e.g., 1% back spending earns you 10 points per $1 spent).

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

wasCB14 — Wed, 04 Jan 2023 16:43:15 GMT

Usually these promotions should come with a reminder that higher spend can hurt your wallet.

Though in this case, especially after the holidays, incentivizing higher spend on dining and grocery can potentially hurt your waistline!

(Of course, the promotion will work well for many people. Inflation is high, some household are big, fine dining is expensive, etc. And my thinking is in the context of food I don't buy at Visa-only Costco.)

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

coldfusion — Wed, 04 Jan 2023 17:15:07 GMT

@ptatohed wrote:
@Xanthos472 wrote:
@coldfusion wrote:
I have a TYP-earning Sears MC; I got essentially the same offer last week for this quarter except it's for 10X bonus TYP/$ = 11 net TYP/$. My TYP are all consolidated in a single TYP account with my Premier as primary, which lets me cash them out via an ACH transfer at $0.01 each.

Dollar for dollar spend this card has been my best net earner over the last 5 years. As long as this gravy train keeps running I'll keep riding it.
@coldfusion Is the TYP version still available as a PC option?

I am pretty sure you can't link the citi SYW card with other citi cards and combine TY points. But those who had this feature are grandfathered (like @coldfusion ). In fact, my SWY card doesn't even call them Thank You points. And whereas 100 TY points = $1.00, the SYW card is 1,000 points = $1.00 (e.g., 1% back spending earns you 10 points per $1 spent).

Citi stopped allowing conversions to the TYP version I think it was about October 2019. When I did my conversion you had to call and be transferred to a specific team located in Ohio but based on later feedback from members here they had updated their process so that a standard CSR could do the conversion. It used to take like 30 seconds to do while you were still on the phone.

Combining cards into a single TYP pool is a simple phone call as well, but you want to have all the physical cards you're combining in front of you, the numbers of all the TYP accounts you're combining written down in front of you, and know exactly which card and its associated TYP account you want as the primary. If you have TYP across multple accounts they will transfer all of them over to the TYP account you associated with your primary card. This is a general truism for TYP-earning cards, regardless of whether or not a TYP-earning Sears MC is in the mix.

I haven't heard of anyone even trying to convert in quite a while, so if someone were so inclined it might be worth calling the support number on fhe back of your card and asking if your Sears card can be converted to a TYP version. They may have started allowing it yet but nobody here knows about it or has thought to report of their success, and the worst possible outcome from a request is that you're told NO.

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

NoMoreE46 — Wed, 04 Jan 2023 23:33:14 GMT

Whoa 10% on all those?

That is a "hot" offer @ptatohed !

Re: I'm just loving this SYW card. 10% CB gas, dining, grocery Q1 '23

NoMoreE46 — Wed, 04 Jan 2023 19:58:31 GMT

haha

The Mods know ALL...

@FinStar wrote:
@SouthJamaica
Once again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed

@SouthJamaica wrote:
My goals are to pay down balances and refrain from adding new accounts