From my observation over the past couple months, Citi Shop Your Way offers which reward points seem to post within days of meeting the minimum spend requirement (MSR). Offers where the reward is a statement credit really do take 1 or 2 statement billing cycles to post — as mentioned in the Terms & Conditions of those offers with statement credit rewards.
Home Improvement offer. The Home Improvement offer I got recently and fulfilled, paid in points. The T&C say it could take up to 2 billing cycles to post, but I found it posted within 3 days of meeting the MSR.
Online Spend offer. This was also a points offer and it posted within days as well. The T&C said it would post quickly unlike the Home Improvement offer, and it did post quickly as well.
Annual offer. I got an offer that will pay me $200 per month if I spend $2000 per month on the card in the Fuel/Dining/Grocery categories, for the entire 2025 year. The T&C for this offer says it can take up to 2 billing cycles to pay out the $200 statement credit, and it in fact did take 2 billing cycles. I just noticed the $200 statement credit for January after the February statement close.
So regardless of what the T&C says, My observation is if it is a points reward, I should get it quickly and if it is a statement credit, then I expect it no sooner than 2 billing cycles.
What’s odd is that in my experience, the points for the online spend offer do not post right away.
They did my first month, but the second month they posted after the cycle closed.
I LOVE SYW Card for the bonuses!!! the ULTIMATE credit card!!!
Indeed 🙂