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 recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$0
Last recorded · 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 Citi Double Cash, Costco Anywhere Visa Card by Citi, Citi Strata Card. 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.
The benchmark 2% card, that secretly earns transferable points.
5% on Costco gas and 4% everywhere else you fill up.
The no-fee entry to ThankYou points with a category you pick yourself.
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Offer ended: 22,500 → 0 · Spend: $1,500 → $0 · Window: 3 → 0 monthsClosed to new applicants, accounts converted | Archive record · no attached snapshot |
| 2023-06 | 22,500 | $1,500 in 3 mo | Earliest record$225 cash bonus era while applications were still open | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Historical record · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xGas stationsHistorical; 5% and 3% categories shared a $10,000 annual cap
- 3xGrocery stores and restaurantsHistorical
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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