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Apply online for Citi ThankYou® Preferred CardSponsored card
About Our Ratings
Credit Needed
Excellent

Citi ThankYou® Preferred Card Review

Pros & Cons

  • 0% Intro APR for purchases and transfers
  • The 1 ThankYou® point for purchases (other than restaurants and entertainment) is fairly common, if you aren’t a wine and dine kind of person check out Citi® Double Cash, where you can earn 2 points for general purchases rather than 1.

Top Features

Points or Miles
2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases.
Bonus Miles or Points
N/A
Purchase APR
13.24% - 23.24%* (Variable)
Annual Fee
$0*

Full Review

Curtis Arnold Editor-in-chief
Citi, a CardRatings.com advertiser, offers a card in which you can also earn 2 ThankYou Points per dollar on purchases on dining at restaurants and entertainment. 1 ThankYou Point on other purchases. There is 0% intro APR on purchases and balance transfers for 15 months. You can redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more. Downside: There can be a high APR for less creditworthy applicants.

This card compared to other travel rewards cards

Points or Miles
2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases.
5% Earnings for $5k and 2% after
2X miles on all purchases
Bonus Miles or Points
N/A
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
Purchase APR
13.24% - 23.24%* (Variable)
13.15% - 23.15% (V) (V)
16.24%, 20.24% or 23.24% Variable 
Annual Fee
$0*
$0
$89-Waived first year
Rates and Fees
This card is for the applicant with excellent credit who is looking for a card with a low introductory APR on balance transfers and purchases, no annual fee and ThankYou reward points.
CardRatings.com Editorial Staff

Citi ThankYou® Preferred Card details

Balance Transfer Intro APR
0%*
Balance Transfer Intro Period
15 months
Purchase Intro
APR:
0%*
Period:
15 months
Purchase APR
13.24% - 23.24%* (Variable)
Annual Fee
$0*

What Citi says about this card

  • 0% intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited ThankYou Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

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Apply online for BuyPower Card from Capital One® -Get The Card That Helps You Get The Car

BuyPower Card from Capital One® -Get The Card That Helps You Get The Car

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.15% - 23.15% variable APR on purchases will apply
Credit Needed:
Excellent/Good
Apply online for Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
Credit Needed:
Excellent/Good