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

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ptatohed
Senior Contributor

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


@burrissa wrote:

I'm fairly new to this card and want to make sure I understand stacking. So I currently have an offer that's activated for 10% statement credit up to $100 a month for spending $800 or more per month. I also received an email today which I activated for $150 a month for spending $1000 or more per month on GGR. So these stack on top of each other? Spend a total of $1000 and get a credit of $250 back? 25%? I've had the card since May but just now trying to understand the benefits.


Is that 10% on $800 spend on anything or 'online' spend?  Yes, they are stackable.  If you spend $1000 in GGR, you'll get $250.  

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 1291 of 1,648
burrissa
Established Member

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

It says $800 or more on eligible in store or online purchases. Thank you for the response.

Message 1292 of 1,648
Tom592007
Established Member

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

Just received an email from SYW saying that something bigger (is that even possible???) is coming in November. We will have to wait and see if this is closer to nerfing the card than improving the benefits. If they have found the secret sauce with this card to be profitable with all the customers paying very high APR more than subsidizing the offers for rational customers, it could last for a while! I suspect that the business of selling personal data is also quite significant with this program and probably quite profitable given the quality and depth of the data captured. Yes many of us buy gift cards but SYW can still capture the spending power and have a good idea of key spend (grocery, travel, gas etc...) for many households.... Long life to this card. Fingers crossed!!! 

Message 1293 of 1,648
EasyMark
Regular Contributor

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

Tater,

 

I interpreted that email to be from the Shop Your Way program itself, in that it might sustain itself after the divorce from the card (although I could be wrong). Might look like other discounted shopping cashback apps, maybe.

Message 1294 of 1,648
EasyMark
Regular Contributor

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

Maybe another Pepper! (Oh boy!!!!)

Message 1295 of 1,648
dlister70
Frequent Contributor

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

"Starting November 3, 2025, you will no longer earn Shop Your Way Additional Category Earn Program Global Points.."

 

Welp, it was cool while it lasted.

sywchange.jpg



Message 1296 of 1,648
unsungivy
Valued Contributor

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


@ptatohed wrote:

@burrissa wrote:

I'm fairly new to this card and want to make sure I understand stacking. So I currently have an offer that's activated for 10% statement credit up to $100 a month for spending $800 or more per month. I also received an email today which I activated for $150 a month for spending $1000 or more per month on GGR. So these stack on top of each other? Spend a total of $1000 and get a credit of $250 back? 25%? I've had the card since May but just now trying to understand the benefits.


Is that 10% on $800 spend on anything or 'online' spend?  Yes, they are stackable.  If you spend $1000 in GGR, you'll get $250.  


Pretty sure that's the "retail" purchases offer most of us have (10% on $800-$1000 retail spend for 3 months). Groceries are specifically excluded.

 

It stacks with the "online" spend mid-month offers, and the $1500 total spend 3-month offer, but is diametrically opposed to the GGR offer.

 

Check your fine print, mine says:

 

SPEND $800 or more each month from 8/1/25 through 10/31/25 on total eligible in-store and online retail, including Sears, purchases with your Shop Your Way Mastercard® (only purchases made after activation qualify).*

 

*Retail purchases are transactions made at men & women’s clothing stores, sports and riding apparel stores, shoe stores, accessory and apparel stores, music stores, computer software stores, sporting goods stores, book stores, office/school supply and stationery stores, game/toy and hobby shops, camera and photographic supply stores, card/gift/novelty and souvenir shops, leather goods and luggage stores, artist supply stores/craft shops, art dealers and galleries, cosmetic stores, florists, pet shops, pet food and supplies, swimming pools sales and supplies, duty free stores, discount stores, department stores, variety stores and miscellaneous general merchandise stores. Purchases not eligible for this offer include purchases made at home improvement stores, wholesale clubs, grocery stores or special events.

AU - Sock - Chopping Block -
Biz - Debit Cards -
On my
Message 1297 of 1,648
unsungivy
Valued Contributor

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


@EasyMark wrote:

Tater,

 

I interpreted that email to be from the Shop Your Way program itself, in that it might sustain itself after the divorce from the card (although I could be wrong). Might look like other discounted shopping cashback apps, maybe.


I mean, they already have the browser add-on pop-up that fights with Rakuten on most sites 🤷‍♀️.

 

My CC home page now has a splash banner about being "rebranded".

 

IMPORTANT ACCOUNT UPDATE

Your Shop Your Way Mastercard® account will be rebranded.

Effective November 3, 2025, your existing Shop Your Way Mastercard account will be rebranded. It will continue to be a Mastercard account issued by Citibank, N.A. No action is required by you.

There will be no change to the current account/card number, account history or payment address. You will begin to see the card changes reflected in account communications and websites as of November 3rd. Subject to your account eligibility, you will receive a new card by December 31, 2025, so continue using your current card until your new card arrives.

 

I find it interesting that there is zero mention of points restructuring or the like. Does make it feel like they're divorcing it. I have received the email about the "special" upcoming stuff, but not the physical mail about the nerfbat.

AU - Sock - Chopping Block -
Biz - Debit Cards -
On my
Message 1298 of 1,648
unsungivy
Valued Contributor

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

Here's the real burning questions for me:

 

1) Will I finally be able to add the new card to my digital wallet?

2) Will it continue to have the fugly raised text, or be a flat card that plays nicely with the other cards?

 

Right now it's one of the few cards I have to physically carry around, which I dislike... ESPECIALLY since it's not flat! The SYW and the Macy's (at 10x restaurants Q4) are exiled to only play with each other (upside down and face-to-face), since they both have the same issues from their mutual parents, Citi N.A.

AU - Sock - Chopping Block -
Biz - Debit Cards -
On my
Message 1299 of 1,648
Jeffster1
Valued Contributor

Citi SYW MC Conversion - Letter received today

Just received a letter from Citi today which says that my couple month old SYW MC is being converted to something else, New card, new reward program. I wonder if it's being converted to a Citi Thank You card. 

Doesn't mean much to me as I never really used the SYW program. 

Any guesses?

 

Here's what the letter said:

 

We value you as a cardmember and want to provide you with an important update regarding your account. Effect November 3, 2025, your existing Shop Your Way Mastercard will be rebranded. It will continue to be a Mastercard issued by Citibank, N.A., and have a new card rewards program. You will be provided with additional information about your new credit card and cardmember benefits so keep an eye on your mailbox and email.

Here's what you need to know:

• No action required: Keep using your current card until your new card arrives. You will receive a new card by December 31, 2025!

  • No change to card number: Your current card number, APR's and account history are not changing with this card replacement.
  • No change to managing your account: Continue to make payments, check online statements, set up account alerts and more at syw.accountonline.com with your existing sign-on credentials.
  • Cardmember Offers: You'll continue to be considered for exclusive cardmember offers with your card.2
  • Rewards Program updates:
  • Starting November 3, 2025, you will no longer earn Shop Your Way Additional Category Earn Program Global Points when using your Shop Your Way Mastercard. The Shop Your Way Additional Category Earn Program is ending as of November 2, 2025.
  • The Shop Your Way Points you've earned through November 2, 2025 will not be impacted by this change.
    The points you've earned are still valid through the end of the quarter following one year from the date they were awarded.
  • Beginning November 3, 2025 the new card rewards program will start.

If you have any questions, call us at 1-877-816-9063. For TTY: We accept 711 or other Relay Service.

Thank you for being a valued cardmember.

Sincerely,

Customer Service

P.S. Keep shopping with your current card until your new card arrives in the mail.

 

0% utilization
FICO 8 EX 839 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo Autograph Visa 30K I BMO Harris Cash Back MC 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 10K I Citi Thank You MC 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney MC 10K I Synchrony Premier MC 10K I UCLA Wescom CU Rewards Visa 7K I PayPal Cash Back MC 20K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K
Message 1300 of 1,648
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