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
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
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.
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.
Sock - 
Chopping Block - 
Debit Cards - 
I gotta admit this card looks and sounds like something out of the 90s
@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