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

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unsungivy
Valued Contributor

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


@Bockrocker wrote:

No online mid month offer like the rest of you, but received travel/entertainment offer for Nov and Dec via snail mail today.  10% credits up to $100 each month.  Plus they've been continuing to hype things up via email.

 

Long live SYW! 😂


Or "the card soon to be known as the card formerly known as SYW"

AU - Sock - Chopping Block -
Biz - Debit Cards -
On my
Message 1331 of 1,577
MJ-san
Frequent Contributor

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

WOW this thread has gotten long Smiley Happy 

Just got off of a very frustrating call with Citi ... Hello Fresh which used to code as a grocery store no longer does. It looks like that change happened sometime around June/July... I just saw 3 months of expected bonus points (30,000) down the drain as I was just shy of the $1,000 spend each month without. 

This (former Sears MC) was a great ride while it lasted, I've pocketed well over $10k with all these stacking bonus offers over the last 6 years or so... but I'm sock drawering the **bleep** thing now. I'm sure Citi is hapy with that decision - I was a very unprofitable customer for them with this card! It's just too **bleep** difficult and time consuming to track, and the changing categories is the final straw.  Their lack of any kind of tracking SUCKS. This whole episode has taken me at least 5 phone calls, 2 letters, and 10 hours. Love Strata Elite and how it shows you every charge and what category it is assigned.

I'll suck it up and take 6% back on groceries with Amex BCP, 5.25% with BoA Customized Cash [Hello Fresh is considered online, 3% + 75% bonus], 6% back on dining (Fri-Sat, after 3pm PT) with Strata Elite, and 4% on everything else with USB Smartly.

It's a loss of $600/year of those lovely bonus points, but this tracking and calling (and the aggrivation) is worth more than that to me. Wish Citi would just merge the retail services cards to their mainline system! 

Message 1332 of 1,577
unsungivy
Valued Contributor

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


@MJ-san wrote:

WOW this thread has gotten long Smiley Happy 

 

....


I'll suck it up and take 6% back on groceries with Amex BCP, 5.25% with BoA Customized Cash [Hello Fresh is considered online, 3% + 75% bonus], 6% back on dining (Fri-Sat, after 3pm PT) with Strata Elite, and 4% on everything else with USB Smartly.

It's a loss of $600/year of those lovely bonus points, but this tracking and calling (and the aggrivation) is worth more than that to me. Wish Citi would just merge the retail services cards to their mainline system! 


If you haven't checked in in awhile, PayPal Debit is better for Groceries Smiley Wink And no fee (or hard pull). BCP makes it's AF back on the Disney credits being increased though, if you use that.

AU - Sock - Chopping Block -
Biz - Debit Cards -
On my
Message 1333 of 1,577
coldfusion
Credit Mentor

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

New offer came in via USPS on my ThankYou card,  10X bonus TYP on total eligible in-store and online retail purchases each month Nov-Jan with minimum $800 spend that month and up to $1000 spend.  I was wondering if Citi was going to stop offering promos after this calendar year on the old Sears cards,  first positive sign I've seen that maybe they aren't. 

 

Here's a picture from the back of the offer showing eligible categories, note the examples of purchase types not eligible.  

 

IMG_5893.png

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 1334 of 1,577
simplynoir
Mega Contributor

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


@coldfusion wrote:

New offer came in via USPS on my ThankYou card,  10X bonus TYP on total eligible in-store and online retail purchases each month Nov-Jan with minimum $800 spend that month and up to $1000 spend.  I was wondering if Citi was going to stop offering promos after this calendar year on the old Sears cards,  first positive sign I've seen that maybe they aren't. 

 

Here's a picture from the back of the offer showing eligible categories, note the examples of purchase types not eligible.  

 

IMG_5893.png


From what I understand reading a little about this on DoC Citi is gonna have several versions of their Mastercard. Seems like they *might* keep the rewards program and hopefully the offers will keep coming in.

Message 1335 of 1,577
1lifeisworthit
Contributor

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

Please, can anyone tell me what the OP means by CB gas?

To my knowledge, CB means Choosing Beggar and CB means Credit Bureau....

and neither of those go with the word "gas"

 

Perhaps it is time for people to start typing the words they mean rather than making us guess?

Message 1336 of 1,577
Vinjints
Frequent Contributor

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

Cash back. There's a primer for all of the acronyms. 

NFCU Flagship (Daily 2% + Travel) | USAA Rewards (AoOA = 26y)

Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EQ(F8) 784 | EX(F8) 801 | TU(F8) 800 | EQ(F9) 823 | EQ(BC8) 815

On the Radar: Langley | Kroger | AmEx | Discover

Message 1337 of 1,577
1lifeisworthit
Contributor

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

Yes, I see.

Cash Back does make a  lot of sense.

 

I've not seen such a guide.

Message 1338 of 1,577
okurosetta
Frequent Contributor

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

I found a guide to common abbreviations, but CB isn't listed Smiley LOL

 

https://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458

Hybrid
Cashback APR
Points
RIP Chopping Block
P2
P2 Future P2 Chopping Block
Message 1339 of 1,577
ptatohed
Senior Contributor

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


@1lifeisworthit wrote:

Please, can anyone tell me what the OP means by CB gas?

To my knowledge, CB means Choosing Beggar and CB means Credit Bureau....

and neither of those go with the word "gas"

 

Perhaps it is time for people to start typing the words they mean rather than making us guess?


I dislike when people toss about a bunch of abbreviations without defining them.  I often spell things out for the benefit of those who may be new or not know the abbreviation.  But I really thought CB was common enough around here to use and everyone would know what it means!  lol

[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 1340 of 1,577
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