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    SYW Mastercard offers are insanely good lately

    Seriously, the offers I have going on concurrently right now are nuts:

    • 8/1/25-10/31/25, 10% back on in-store and online retail when you spend $800 or more each month

    • Spend $750-$1499.99 on gas/groceries/restaurants get $125, or $1500+ get $200 each month from July through December

    • 5% on statement credits for travel & entertainment each month, max $120 per statement

    • $50 statement credit each month for making 6 purchases $75+ September thru November

    • $30 statement credit per purchase of $750+ up to three purchases/$90 in statement credits, September only.

    I heard the offers on this card were good but this is kinda nuts and the double dipping opportunity is huge. For example, a grocery run could easily hit the $75 transaction and count towards the gas/groceries/restaurant bonus…

    Also, the offers page on the SYW site is showing most, but not all of these. I only got a notification about the last ($30 statement credits on $750+ transactions) via email… (And the SYW Citi Retail logged in offers page also doesn't show any offers if you have adblock on for some reason.)

    SYW Mastercard offers are insanely good lately
    byu/coopdude inCreditCards



    Posted by coopdude

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    6 Comments

    1. okurosetta on

      Agreed, have seen many get these or similar lately. Right now I “only” have two offers going, $10 or $20 off $100 or $200 gas grocery restaurant spend, then 15% off $1000-1167 retail including online retail. I’ve been hitting the first offer primarily through gas which totals 15% back, and if I’m short towards the end of the month I swipe for grocery or restaurants to get me past $200, still earning 13% back (until $200 spend). I used Walmart+ delivery orders and Amazon purchases for the retail offer, all organic spend earning 16% back, without trying fell within the $1000-1167 range.

      So while I “only” have two offers, they have been great, high return for organic spend. The retail offer did stack with a previous online offer for almost $200 in spend, that’s the highest I’ve seen at around 26% back. Card is bananas.

    3. MysticLeviathan on

      my offers are similar but yours are a bit better as they require less spend. as a single person who isn’t wealthy by any stretch, I’m not spending $1,000+ per month on gas, grocery, and dining combined. so they want you to spend beyond your means triggering their 33% APR. My most lucrative offer has been travel and entertainment as there’s no minimum spend required. I’d love to have do X transactions of $75 or more get $50. I pay my rent with this card so I’ll be able to get some offers completed but I really wish I had the $750/month GGR that you have. I feel like I’d reach that much easier.

      I can’t think of a better cashback card for those who can consistently meet the offers. Unfortunately most of them aren’t really helpful for me.

    5. lukeydukie on

      Bought a couch for $1609. Got $295 off in offers, $100 I didn’t even know about. And it’s at 0% until 2027

      This card is absolutely nutty

    6. csriram on

      I don’t know what to do with this card, to honest. I signed for the $75 off $500 up to 3 times in 90 days promo. Then I got the piddly $125 deal for 3 purchases of $750 each.

      Coming from systems of Amex and Chase with AF and transferable points, I wait only for the best deal I can get with SYW. The 10% cash back is awesome but where the heck do I see that? Do I get notified or do I go to their website? That’s a lot of work if I have to check constantly. The mobile app, does it show the offers?

      Again, very new to SYW, wondering if it’s for me at all.

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