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Apply online for Citi ThankYou® Preferred Card - Earn 20,000 Bonus PointsSponsored card
About Our Ratings
Credit Needed
Excellent

Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points Review

Pros & Cons

  • Cardholders are eligible for 20,000 bonus ThankYou® Points, which equals about $200, after $1,500 in card purchases within the first 3 months of opening an account – a pretty solid intro offer
  • Rewards can be accumulated quickly if you use your card for dining and entertainment frequently – and points never expire
  • 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
Earn 20,000 bonus ThankYou® Points
after $1,500 in card purchases within 3 months of account opening -- redeemable for $200 in gift cards or other great rewards!
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 that makes it easy to earn points toward rewards for everyday purchases with the ThankYou Network. For starters you can earn 20,000 bonus ThankYou Points after you make $1,500 in card purchases within the first three months of account opening, which you can redeem for $200 in gift cards or other rewards. You can also earn 2 ThankYou Points per dollar on purchases on dining at restaurants and entertainment. 1 ThankYou Point on other purchases. 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.
2X miles/$1 on all purchases. Get 5% miles back to use toward your next redemption, every time you redeem
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Miles or Points
Earn 20,000 bonus ThankYou® Points
after $1,500 in card purchases within 3 months of account opening -- redeemable for $200 in gift cards or other great rewards!
40,000 bonus miles when you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
Purchase APR
13.24% - 23.24%* (Variable)
16.24% or 20.24%* Variable 
N/A 
Annual Fee
$0*
$89 - Waived first year
Introductory annual fee of $0 for the first year, then $195
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 - Earn 20,000 Bonus Points details

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

What Citi says about this card

  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening - redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 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 Thank You 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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Special offers
Currently available on the Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points
Earn 20,000 bonus ThankYou® Points
After $1,500 in card purchases within 3 months of account opening -- redeemable for $200 in gift cards or other great rewards!

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Apply online for Premier Rewards Gold Card from American Express®

Premier Rewards Gold Card from American Express®

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges, plus a room upgrade at check-in if it's available, when you book a stay of at least two consecutive nights.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent
Apply online for BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% or more. Click "Apply Now" to learn more about Preferred Rewards.
Credit Needed:
Excellent/Good