Heads up, anyone still rocking a Citi Sears or Citi SYWR card! Mark your calendars for November 3, 2025, because that's when Citi is converting those cards into regular Citi ThankYou cards. What does this mean for you? Well, keep an eye out for details from Citi closer to the date – it's likely your rewards structure will change, potentially impacting how you earn points on everyday purchases. But wait, there's more! It looks like a new "Shop Your Way 5321 Visa Credit Card" is on the horizon, issued by First Bank & Trust. This new card boasts some potentially sweet rewards: 5% back on gas, EV charging, tolls, car washes, transit and rideshare and 3% back on dining, groceries & travel. The Doctor of Credit is skeptical if this new card will allow for ongoing spend bonuses like the Citi cards did. If you're a loyal Shop Your Way member, keep an eye out for this one and see if the rewards structure fits your spending habits.