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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

  • Zero percent intro APR for purchases and balance transfers for 12 months.
  • 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
Earn 2X Points on Dining Out & Entertainment. Earn 1X Points on All Other Purchases
Bonus Miles or Points
Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*
Purchase APR
14.49% - 24.49%* (Variable)
Annual Fee
$0*

Full Review

Curtis Arnold Editor-in-chief
Citi, a CardRatings.com advertiser, offers a card in which you can earn two ThankYou® Points per dollar on purchases on dining at restaurants and entertainment. One ThankYou® Point on other purchases. There is 0 percent intro APR on purchases and balance transfers for 12 months. You can redeem ThankYou® Points for merchandise, travel rewards and gift cards. Downside: There can be a high APR for less creditworthy applicants.
This page was last updated on June 20, 2017

This card compared to other travel rewards cards

Points or Miles
Earn 2X Points on Dining Out & Entertainment. Earn 1X Points on All Other Purchases
1.5 Miles per dollar on all purchases
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Bonus Miles or Points
Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*
We'll match all the miles new cardmembers have earned at the end of their first year. No purchase caps or minimums. No signing up. And no limit. Only for new cardmembers.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
Purchase APR
14.49% - 24.49%* (Variable)
11.99% - 23.99% Variable 
16.99% - 23.99% Variable 
Annual Fee
$0*
$0
$0 Intro for the First Year. Then $95
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

Points or Miles
Earn 2X Points on Dining Out & Entertainment. Earn 1X Points on All Other Purchases
Bonus Miles or Points
Earn 15,000 bonus points
after spending $1,000 in purchases within the first 3 months of account opening*
Purchase Intro
APR:
0%*
Period:
12 months
Purchase APR
14.49% - 24.49%* (Variable)
Annual Fee
$0*

What Citi says about this card

  • Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*
  • 15,000 ThankYou® Points are redeemable for $150 in gift cards, electronics and other great rewards
  • 0% intro APR on Purchases and Balance Transfers for 12 months. After that, the variable APR will be 14.49%-24.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit on the amount of points you can earn with this card
  • 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 15,000 bonus points
After spending $1,000 in purchases within the first 3 months of account opening*

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Apply online for Discover it® Miles

Discover it® Miles

  • Match Mile For Mile: We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as statement credits towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO(R) Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Discover Match(R) details & other information.
Credit Needed:
Excellent, Good
Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good