Citi Shop Your Way Mastercard
By Alex Compton · Last verified
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)
Common Questions
Is the Citi Shop Your Way Mastercard discontinued?
Yes. No new applications; all SYW accounts were converted to Citi ThankYou Mastercards by December 31, 2025. The legendary targeted-offer machine, converted to a Citi ThankYou card at the end of 2025.
What can I use instead of the Citi Shop Your Way Mastercard?
The closest open alternatives we track are the Capital One Savor, Bilt Mastercard, Chase Freedom Unlimited. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Shop Your Way is gone, but these cards do a similar job and are still accepting applications.
3% on dining, groceries, entertainment and streaming. No fee.
The only card that earns points on rent with no fee.
1.5x on everything, and a points multiplier when paired with a Sapphire.
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Last verified 2026-06-11 · spot an outdated offer?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
- ✦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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