I've been thinking about the citi Shop Your Way card for not that long (I usually plan my next card months or years in advance, this was only a few weeks, lol) but the more I researched it, the more I decided it was a good next card for me.
I applied today. Very simple 4-page application. I got to the end, submitted, and a screen came up with a reference # and a phone # to call. I called. Turns out I was dumb and forgot to unfreeze Experian. Doh! I unfroze and called back.
I was approved which I am super stoked about, but I am a little bummed my credit line is only $4,000 - the lowest of all my cards. AOD was my lowest at $5,000 but all my other cards have 5-fig CLs.
I think I know what it is. My otherwise perfect credit has a pretty bad recent stain on it from a medical bill that went to collections that I refuse to pay (don't agree with the bill). In fact, my score on Experian when I went to thaw my credit was only 741 (usually in the 800s).
Bummer but I'll make due with the $4,000 CL for now and enjoy the card. 
I don't recall ever being asked net income but the application did. I played dumb and put my gross income of $150,000/yr.
They wouldn't let me add my wife as an AU at this time, he said I have to wait for the physical card, then call back. Odd.
$225 statement credit intro bonus with $1500 spend in 90 days.
5% back (in points) on gas all year, 3% for grocery and dining all year (up to $10k annual spend combined). No true cash back redemption unfortunately but they offer gift card redemption at full % value, and is powered by raise.com so there is a wide variety of retailers to choose from, including WalMart. But I've read the real honey is with the targeted bonus offers which look like they have been pretty plentiful and generous with lately. I hope I am lucky to receive these offers.
;
;
;
;
;
;
;
;
Congrats on your Citi Shop Your Way MC approval
🍻 Way to go! Congratulations!
@TheBoondocks wrote:Congrats on the card. Could you link it to your citi account now?
Thanks. I don't have the physical card yet, nor have I created on-line access to the SYW card yet but I have done some research. If by link you mean link TY points, the answer is no. I guess there was a time when you could and if I understand correctly, those (lucky) people are still grandfathered. But, currently, the SYW card doesn't provide TY points. As far as linking the SYW card to other citi cards when you log in, I will have to report back once I receive the card and set up online access. Maybe someone else has a better answer.
The targeted bonus offers that are what make this one of my favorite cash back cards. Here is the one I received last month.
