This citi Shop Your Way card has completely disrupted the way I use my rotating category cards! Ever since I got the card in August '22, there has been one monthly offer or another, usually something like $45 statement credit for $1,000 spend in 30 days (that's 4.5% CB right there, and this is on top of the 5%, 3%, or 1% you earn while spending the $1,000). Sometimes the offers overlap and spending works toward both offers.
Received an email with the below invitation. 10% CB in statement credits in gas, dining, and grocery for $700 - $800 spend per month for Q1 '23. And this is on top of the regular 5% gas, 3% dining/grocery.
Once again, little/no need for Disco (5% groc), Freedom (5% groc), or nusenda (5% groc + gas), and citi CC (was gonna use for 5% dining), unless I think I will exceed the $800 spend per month in these categories, or I can use them for another category.
My only concern is if I can't reach $700 spend per month in these 3 categories. That might be just above the high end of our regular spend. I'll think of something. 
| ptatohed, Activate this offer and you can earn |
| 10% |
| back in statement credits |
| on total eligible gas station, grocery store and restaurant purchases of $700 or more made each month (up to a maximum total of $80 in statement credit(s) each month) using your Shop Your Way Mastercard from 1/1/2023 (or the date you activate this offer, whichever is later) through 3/31/2023.1 |
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This is one of my favorite cards. I have attached the promo from last quarter. I try to make sure I get the most out the promo.
@ptatohed wrote:This citi Shop Your Way card has completely disrupted the way I use my rotating category cards! Ever since I got the card in August '22, there has been one monthly offer or another, usually something like $45 statement credit for $1,000 spend in 30 days (that's 4.5% CB right there, and this is on top of the 5%, 3%, or 1% you earn while spending the $1,000. Sometimes the offers overlap and spending works toward both offers.
Received an email with the below invitation. 10% CB in statement credits in gas, dining, and grocery for $700 - $800 spend per month for Q1 '23. And this is on top of the regular 5% gas, 3% dining/grocery.
Once again, little/no need for Disco (5% groc), Freedom (5% groc), or nusenda (5% groc + gas), and citi CC (was gonna use for 5% dining), unless I think I will exceed the $800 spend per month in these categories, or I can use them for another category.
My only concern is if I can't reach $700 spend per month in these 3 categories. That might be just above the high end of our regular spend. I'll think of something.
ptatohed,
Activate this offer and you can earn10% back in statement credits on total eligible gas station, grocery store and restaurant purchases of $700 or more made each month (up to a maximum total of $80 in statement credit(s) each month) using your Shop Your Way Mastercard from 1/1/2023 (or the date you activate this offer, whichever is later) through 3/31/2023.1
Once again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed
@SouthJamaicaOnce again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed
@SouthJamaica wrote:My goals are to pay down balances and refrain from adding new accounts
@Sspartan wrote:Statement credits are credited to your balance and the points you earn can be redeemed for gift cards, I usually get Amazon or Walmart gift cards
^ Exactly this. Statement credits are true CB obviously. Points earned with the card (5%, 3%, 1% back in 'points') are used for merchants (I've never done) or a very generous list of gift cards. It does make it not exactly a true 5%, 3%, or 1% CB because you aren't getting any additional CB while spending the gift card. But the other offers more than make up for it. One little example is you get $3 if you make 3 grocery purchases using the SYW app in a month. There are others. Like Ss, it's easiest for me to get Amazon cards and upload to my Amazon account. Ideally, you'd pick a gift card from a merchant you would have frequented anyway and they don't fit one of your card's 5% category. But, again, Amazon upload is the simplest for me, at the expense of not earning 5% while spending it.
@SouthJamaica wrote:
Once again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed
Sorry SJ!
@FinStar wrote:
@SouthJamaicaOnce again @ptatohed got me into trouble by inspiring me to apply for a credit card. This time it was the Citi Shop Your Way card. And I was approved, with a $3k SL. I'm going to have to start avoiding posts by @ptatohed
@SouthJamaica wrote:My goals are to pay down balances and refrain from adding new accounts
Well we don't always accomplish our goals I refrained for 1 1/2 days. Doesn't that count for anything?
Besides, it's not my fault, it's @ptatohed 's fault.