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Citi Shop Your Way Mastercard, Best Ever Bonus of $225

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Citi Mastercard Best Bonus Offer

Citi Shop Your Way Mastercard Best Bonus Offer

Citi Shop Your Way Mastercard is a popular product for a good reason. We often see very lucrative spending offers. But while those offers are for current cardholders, there’s also a nice signup bonus for those looking to the grab the card. Let’s see the details.

Update: Offer extended through February 29, 2024.

The Offer

  • Earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases in the first 90 days. Valid for new accounts opened 1/29/2023 – 7/31/2023.
  • No Annual Fee
  • Direct Link

Card Benefits

The Shop Your Way Mastercard earns at the following rates:

  • 5% back on eligible gas purchases
  • 3% back at grocery stores and restaurants (up to $10K per year)
  • 2% back at Sears, Kmart, Sears Hometown & Sears Home Services
  • 1% back on all other purchases


This is the highest ever signup bonus for the Citi Shop Your Way Mastercard. You can earn $225 after spending $1,500 in the first 90 days.

That’s actually a decent bonus for a no fee credit card, and there are some popular bonus  categories. But where this card really shines is the targeted offers that we see often for current cardholders. The offers don’t often come right away, but if you put a bit of spend on the card it can be lucrative in the long run.

HT: Doctor of Credit

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. This card is by FAR (not even close) my best rewards card… Hands down over AMEX, Chase, C1. As one example am receiving 10% back in statement credits Plus 5% points on gas for the next three months.

  2. I’ve had this card for about two months now and have already been targeted for two different spending bonuses (online purchases and home improvement stores). I thought people were exaggerating about all of the targeted bonuses, but I’ve had great luck so far.

  3. Is it still possible to get this card & ask Citi to convert the rewards program from Shop Your Way Points to Citi ThankYou points?

    • The actual Searscard dot com earns TYPs and also gets many of the same offers that this CC gets. Other than this SUB, I think the Sears card is faster earning as well. Even over something like the Citi Premier CC.


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