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.