Update 10/1/24: Extended until 3/31/2025
Update 3/2/24: Extended until 9/30/2024
Update 8/1/23: Deal is back and valid until 2/29/2024
The Offer
- The Citi Shop Your Way Mastercard is offering a signup bonus of $75 statement credit after you spend $500. This can be done three times for a total $225 bonus with $1,500 spend.
Offer valid for new accounts opened 5/8/2022 – 1/28/2023.
Card Details
- Card earns at the following rates:
- 5% back in points on eligible purchases made at gas stations*
- 3% back in points on eligible purchases at grocery stores and restaurants*
- *These categories have a combined limit of $10,000 in spend, after that they will earn 1% back in points
- 2% back in points on eligible purchases made at Sears & Kmart
- 1% back on all other purchases
- No annual fee
- 3% foreign transaction fee
- Our full review
- Citi Sears Credit Card – What You Need To Know
Our Verdict
I believe the regular signup offer is just $40, and we may have seen it once as go as high as $200. The current $225 is probably the highest ever and a nice cash bonus. A lot of people might also be interested in the card for the ongoing spend offers which the card constantly sends out. Please read Citi Sears Credit Card – What You Need To Know for more information.
We’ll add this to our list of Best Current Credit Card Bonuses.
Hat tip to reader Nick
Related: Best Store Credit Cards – Get Up To 10x Points With No Cap
Post history:
- Update 1/30/23: Deal has been extended until 7/31/23.
$225 offer extended 4/1/25 – 7/9/25.
Does anyone know if it is possible to have more than one SYW card/to get the bonus multiple times?
I don’t think so based on DPs I’ve seen, but haven’t tried myself.
Got a offer to spend $1000 online and get 325000 points on shopyourway card. Any suggestion what is consider as online purchase?
i know they say insurance is excluded, but a flood insurance premium payment worked for me
See this thread. I recommend subscribing to it. https://www.doctorofcredit.com/what-works-eligible-categories-for-the-citi-sears-card/
Redeemed points for ‘Prepaid Mastercard.’
No 3 digit CVV code
Recipient Name: Thank You
Redemption method: In store only
PIN: 12 digits, a mixture of ABCs and numbers
Any experiences/suggestions on how to redeem/pay with this card?
Thanks!
Same here. redeemed for Prepaid Mastercard but no 3 digit CVV code. how did you use card?
Activate at
https://www.myprepaidcenter.com
Thanks. It worked
My latest offer, received this one yesterday.
Earn a $50 statement credit for each eligible purchase of $75 or more with your Shop Your Way Mastercard®. Maximum two statement credits per month. Offer is valid 3/1/2025 (or from the date you activate this offer, whichever date is later) through 5/31/20251.
Daaang! Nice! We got the $40 version for $75 spend.
Received a “correction” email yesterday. Revised offer terms are: Earn a $50 statement credit each month when you use your Shop Your Way Mastercard® to make 6 eligible purchases each month of $75 or more each. Offer is valid 3/1/2025 (or from the date you activate this offer, whichever date is later) through 5/31/20251.
I took advantage of the 0% APY promo that was offered to me on this card. Once my balance became high relative to my credit limit, I no longer received spend promo emails on the 15th. The last offer I had received was on 9/15/24 (earn $30 statement credit for $500 or more on online purchases)
I paid off the balance early this February and today received the following offer:
Earn a $40 statement credit for each eligible purchase of $75 or more with your Shop Your Way Mastercard®. Maximum two statement credits per month. Offer is valid 3/1/2025 (or from the date you activate this offer, whichever date is later) through 5/31/20251.
Did anyone else receive something today? It is possible that keeping your balance low may increase your chances for a spend offer.
I haven’t gotten that good of one ever. Lucky you 🙂 I’ve noticed they tend to send spend offers (not online spend) on the first of the month.
Ah, I didn’t notice that. Thank you
Celia 🔗
Yes my husband got the same offer. Though it’s confusing because the big headline text says up to $120 credits but the text says max 2 credits per month so that would be a total of $240 if useable twice each month over the three months. And the chart below is confusing because it clearly lists being able to get two credits but then says the max able to be earned is $40. I’m going to do two test transactions and see if two credits post and then I’ll try that again next month and see if only one posts or two.
Here’s how: MARCH APRIL MAY
1st purchase of $75+ $40 $40 $40
2nd purchase of $75+ $40 $40 $40
Max statement credit $40 $40 $40
Up to $120 in statement credits!
My husband also has the offer for 10% credits after spending $750-$800 in the month so this will be an awesome stack!
Regarding the text I quoted below, my first interpretation was that we can earn $40 X 3 = $120 over the course of a 3 month period. Furthermore, they are allowing two of those $40 credits to occur within the same statement cycle.
“Earn up to $120 in statement credits in 3 months
Earn a $40 statement credit for each eligible purchase of $75 or more with your Shop Your Way Mastercard®. Maximum two statement credits per month.”
Like you, I plan to do two each month for the first two months and see what happens. Fingers crossed for the $240 total.
Yeah I’m doubting it’ll work for $240 total but who knows! Fingers crossed!
Well, I just received an email titled “Correction. Open now for the correct offer terms.”
The offer was significantly downgraded:
“Earn a $40 statement credit each month when you use your Shop Your Way Mastercard® to make 5 eligible purchases each month of $75 or more each. Offer is valid 3/1/2025 (or from the date you activate this offer, whichever date is later) through 5/31/20251.“
Anyone else receive this correction?
Celia 🔗 
Jmo
I also took advantage of the 0% APR on both my and my husband’s cards but paid them off recently once they maxed and now building back up again. I don’t want to lose out on the rewards opportunities just for 6% HYSA money. Also, both of our cards got CLIs last month which was sweet!
@
Jmo Did you receive the CLIs upon request or was it automatic? Thank you!
Automatic. Both went up by a couple thousand.
Thinking about applying for this card. However I mainly buy things at the physical store and wonder if I can still benefit from the periodic subs.
For those that have had the card, what percentage of offers require online spend?
There’s a specific “online shopping” offer. It stacks with any of the other offers, but the GGR offer (Gas, Groceries, Restaurant) offer and others are not online specific.
Any DP on using the SYW card to fund a bank account at opening? With Cash advance limit set to $0 of course. I checked the Accounts that can be funded with Credit Card page but didn’t see anything.
Would like to use bank funding to hit the SYW sign up bonus.
As someone who churns bank accounts as well as credit cards, I haven’t ever tried it because I was always working on a SUB and funded the bank with the churn card. So not sure on this but would love to know if it works. I suspect it wouldn’t work for online shopping but you never know.
If you’re needing to stretch to the spend for the online shopping offer I understand that you can buy the GCs offered on ShopYourWay with your credit card either instead of or combined with points and it counts as online spend.
I think
Larrabeedrill is suggesting that they are working on a SYW SUB and their SYW card will be their churn card.
Yes exactly. Looking at opening a SYW card, and wanted to see if there were any DP of using it to fund a bank account. Would rather work towards the SYW bonus than just putting the bank account funding on Citi double cash.
Sure I get that – I was just explaining why I never personally tried it with the SYW card. I hope they try it and report back.
I got it. Thanks!
Have the Citi SYW, u know if citi does these offers with other cards.
Eyeing Best Buy card but what about the others: Ex. Exxon Mobile, Meijer, Wawa, this card has been good to me
After the amazing 325,000 pts for $1000 online spend last month, I just got the new one and it’s a $100 credit for $1000 online spend. Probably going to skip it this month, just 10% is still amazing.
I’ve got an offer for $750 spend for 250,000 points. A lot of BS ineligible purchases for this bonus. Any recommendations? Future thanks.
An online flood insurance payment worked,even though insurance is listed as an exclusion…
I got similar offer to spend online. Any suggestions where to spend?