Citi Sears/Shop Your Way Card: Signup & Get $225 Cash Bonus With $1,500 Spend

Update 3/2/24: Extended until 9/30/2024

Update 8/1/23: Deal is back and valid until 2/29/2024

The Offer

Direct Link to 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.
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383 Comments
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D
D (@guest_1819208)
March 24, 2024 18:10

Anyone have trouble creating their online account after getting the card? I keep getting the error message “We encountered a problem while processing your request, please try again.”

I’ve called customer support multiple times and they haven’t been able to help.

Looking at the response from the form submit, it’s getting the following error:

{
  “errors”: [
    {
      “id”: 500,
      “type”: “”,
      “code”: “104”,
      “details”: “”,
      “location”: “”,
      “moreInfo”: “Card Validation Failed”
    }
  ]
}

Jmo
Jmo (@guest_1819270)
March 24, 2024 22:02
  D

Are you saying you can’t login on shopyourway.com or can log in at the citiretailservices website?: https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=PLCN_SYW&langId=en_US&desc=ERZP1BCE1067&cmp=ESVC_ERZP1BCE1067#signon

D
D (@guest_1819343)
March 25, 2024 02:17

I am unable to register for an account at https://citiretailservices.citibankonline.com/

atexit8
atexit8 (@guest_1819305)
March 24, 2024 23:18
  D

I had to contact [email protected] to be able to create an account at shopyourway.com
This is the account for redeeming the SYW points which is separate from all the statement credit stuff.

For reason, it wasn’t set up properly during the credit card application process.

After the account was set up, the support person also had to link that account with the SYW MasterCard on Citi’s side.

atexit8
atexit8 (@guest_1819206)
March 24, 2024 18:07

On March 17, a transaction was posted which took my spend to $500.88
When can I expect the first $75 statement credit?
Today is March 24.

Jmo
Jmo (@guest_1819267)
March 24, 2024 21:57

Ha, hello again (from Reddit). I’ll repeat what I said there for the sake of others reading.

Give it another few days at least. It posted with a purchase date of March 17 but didn’t actually appear (go from pending to posted) until a few days later so that’s probably Wed or Thurs of this past week and it’s the weekend right now so I wouldn’t be surprised if it appears tomorrow or Tuesday, back-dated to whenever your statement cycle began.

atexit8
atexit8 (@guest_1813213)
March 13, 2024 16:58

How long does it take to get this credit card?
I was approved on Saturday March 2.
Today is 8 business days and still nothing.

shiti
shiti (@guest_1813273)
March 13, 2024 19:15

Citi is very slow. Probably was 15 business days for me

Jack
Jack (@guest_1813278)
March 13, 2024 19:23

Thank you for keeping them accountable shiti

shiti
shiti (@guest_1813296)
March 13, 2024 19:52

It’s a love-hate relationship 😂

Jack
Jack (@guest_1814575)
March 15, 2024 21:21

Serious question, what do you love them about? Besides the bank bonus? shiti

shiti
shiti (@guest_1814633)
March 15, 2024 23:12

Good question haha. I love the offers they send me on my SYW card and sometimes on my other Citi cards. Also love the pay by phone debit card feature, although most “debit” cards no longer work. I hate their customer service, shitty IT, and long 48 month cool down period. Also hate the way they changed their banking products to stop rewarding thank you points. Also they seem to hate their customers by removing all travel/purchase protection benefits from their credit cards – even with the premier card w an annual fee. They are shiti because they always seem nerf benefits over time. What do you hate about them?

Neo
Neo (@guest_1814684)
March 16, 2024 03:51

shiti What debit cards work now? I have not been successful with any so far.

Jack
Jack (@guest_1816919)
March 20, 2024 08:05

That’s the reason shiti said that most debit cards no longer work

neo
neo (@guest_1816947)
March 20, 2024 09:18

Yes but some work. I wanted to know which ones.

TyrannicalDuncery
TyrannicalDuncery (@guest_1816963)
March 20, 2024 09:43

My Aff debit worked last month, small amount.

Jack
Jack (@guest_1814982)
March 16, 2024 17:50

Thank you for the great overview. That makes a ton of sense. I hate the same things you said about them. Their online banking is only decent for personal checking and cc. Business checking’s online banking sucks quite a ton…. and their business mobile app sucks too. If I have to talk to a real person on the phone, I usually ask to transfer to a US rep shiti

atexit8
atexit8 (@guest_1813347)
March 13, 2024 20:50

Thanks. Looks like another 1.5 weeks to go then.

And I agree. They can be “Shiti”. LOL.

Arv
Arv (@guest_1811626)
March 10, 2024 20:09

If I spend $1,500 in one transaction I will get $225, right? or, it has to at least three separate transactions of $500+ each?

Jmo
Jmo (@guest_1811738)
March 11, 2024 01:49

Correct, just have to spend $1500+ total to get the full $225 bonus. It can be with one purchase.

Vicky
Vicky (@guest_1807630)
March 4, 2024 13:31

I’ve had this card for 8 years, and don’t know how they have not gone bankrupt yet with the amazing statement credit offers that I get every month. This is the best credit card that I’ve ever had.

Jmo
Jmo (@guest_1807847)
March 4, 2024 20:12

I know it’s so bonkers! I’ve only had it 4 years and have earned easily $7000+ in credits and points.

fella
fella (@guest_1814137)
March 15, 2024 09:51

Is the baseline a penny a point for 1% back if you don’t get targeted? Also are you on the old Sears points or the newer ShopYourWay points system (I saw old comments that some of you maybe get grandfathered in on some old system, if true)? Feel like recommending this card however I do not think as the person only uses for the most part one card that they would get many, if any offers due to not having balances on more than one card.

Jmo
Jmo (@guest_1815027)
March 16, 2024 19:57

I’m on ShopYourWay points. I haven’t seen any data points regarding offers being based on other cards on the credit profile or not. They aren’t pulling my credit every time they send an offer. In my experience just using the card brings the offers in.

The baseline points are 1% back on all spending, 3% back on dining and groceries, and 5% on gas, with a 10k spending cap per year on the total spending for the 3% and 5% categories. Once you’ve spent 10k on gas groceries and dining in a year then those all revert to 1% until the new year.

Mike
Mike (@guest_1807005)
March 3, 2024 10:46

So should I create a SYW account before applying for this card or does that not matter at all?

And any special consideration for getting approved for this card since this seems to be separate from other Citi cards? I was approved for wf active cash and alliant 2.5% last month.

Jmo
Jmo (@guest_1807843)
March 4, 2024 20:11

No don’t make a shop your way login first.
Just sign up for the card and then it will prompt you.

There haven’t been any DPs for specific limits or considerations for approval.

AdoptaPetInstead
AdoptaPetInstead (@guest_1806953)
March 3, 2024 07:24

Seems like the periodic spend bonuses are worthwhile on this card.

Jmo
Jmo (@guest_1806969)
March 3, 2024 09:21

Absolutely super lucrative as long as your natural spending is high enough to meet the spending minimums.

Jags
Jags (@guest_1806948)
March 3, 2024 07:14

Long live the true king

Dave
Dave (@guest_1806837)
March 2, 2024 21:02

Similar to the Citi Double Cash card offer with 1500 spend as well. Just might be 200 Cashback with that one maybe…?

Jmo
Jmo (@guest_1806842)
March 2, 2024 21:07

Yes similar but the SUB and points are just icing on the cake for this card. The real benefit comes from all the insane spending offers year round – it’s basically like a card that has extra SUBs all the time.

Dave
Dave (@guest_1806921)
March 3, 2024 03:22

That being said will definitely think about signing up for this card. Thanks

barrytuneuep
barrytuneuep (@guest_1806997)
March 3, 2024 10:33

I did not know about the points when I started doing all the bonuses. great extra benefit. Have not spent 1 dime on Dunkin coffee for at least 1 year plus lots of WMart gift cards to boot. And these offers overlap!! I’m doing to 200 cash back monthly for 12 months and getting points for grocery spend also. 3%. Don’t care about the point-to-point ratio when redeeming. We just get free stuff!!!

barrytuneuep
barrytuneuep (@guest_1811553)
March 10, 2024 16:28

More similar to the Citi Custom Cash. Get 300.00 cash back (nontaxable) every year plus if you had a signup bonus, even better. Citi codes everything the same, SYW and Custom Cash

Gerald
Gerald (@guest_1806831)
March 2, 2024 20:40

Are the offers typically for SYW points or for cash back?

Jmo
Jmo (@guest_1806838)
March 2, 2024 21:03

The offers are usually for direct statement credits.