Citi has sent out a letter to Citi Shop Your Way Mastercard cardholders informing them that their cards will be changed to a Citi Mastercard.
Here’s what you need to know:
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- No action required: Keep using your current card until your new card arrives. You will receive a new card by December 31, 2025.
- No change to card number: Your current card number, APR’s and account history are not changing with this card replacement.
- No change to managing your account: Continue to make payments, check online statements, set up account alerts and more at syw.accountonline.com with your existing sign-on credentials.
- Cardmember Offers: You’ll continue to be considered for exclusive cardmember offers with your card.
Rewards Program updates:
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- Starting November 3, 2025, you will no longer earn Shop Your Way Additional Category Earn Program Global Points when using your Shop Your Way Mastercard. The Shop Your Way Additional Category
- Earn Program is ending as of November 2, 2025. The Shop Your Way Points you’ve earned through November 2, 2025 will not be impacted by this change.
- The points you’ve earned are still valid through the end of the quarter following one year from the date they were awarded.
- Beginning November 3, 2025 the new card rewards program will start.
Our Verdict
In February it was announced that the Citi Sears card would be converted and now it looks like the SYWR card will too. The big question is will this card continue to offer outsized targeted spending bonuses? The terms state it “You’ll continue to be considered for exclusive cardmember offers with your card.” but what that means in practice could be very different.
Hat tip to /r/creditcards
