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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.
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
N/A
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 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 Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
  • Complimentary online FICO(R) Credit Score access for Barclaycard Arrival cardmembers
Credit Needed:
Excellent/Good
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.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent