MastercardCiti Shop Your Way Mastercard
The legendary targeted-offer machine, converted to a Citi ThankYou card at the end of 2025.
Welcome Bonus
None
No new applications; all SYW accounts were converted to Citi ThankYou Mastercards by December 31, 2025
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xGas stations
- 3xGrocery stores and restaurants
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Famous for relentless targeted spend offers: $50 to $100 monthly statement credits for hitting spend thresholds, 10% or more back on utilities, insurance and online purchases
- ✦Offers stacked with each other, turning a free Sears cobrand into one of the most profitable cards in the hobby
- ✦Doctor of Credit confirmed targeted spend offers continued into 2026 on the converted ThankYou cards
Why it earns its spot
- +Targeted offers routinely paid existing cardholders hundreds of dollars a year
- +Offers stacked, and the community tracked every mailer variation
- +No annual fee the entire run
Where it costs you
- −Closed to new applicants; the conversion ended any way in
- −The Shop Your Way rewards program itself shut down November 2, 2025
- −Base earning was forgettable without the targeted offers
The Compound Verdict
For a decade this Sears relic was the best-kept secret in churning: ignore the card, farm the targeted spend offers. Citi converted all accounts to ThankYou Mastercards at the end of 2025, and early 2026 reports show the spend offers still flowing for grandfathered holders. If you have one, keep it forever. If you do not, that ship has sailed.
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