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About Our Ratings
Credit Needed
Good

Citi ThankYou® Preferred Card for College Students Review

Pros & Cons

  • We like that this card rewards students well for their dining and entertainment purchases – both things students like to find time (and money) to do.
  • Since there's a 0 percent APR on purchases for the first seven months (then, 16.49% - 26.49%* Variable), students can get a feel for paying off a credit card without being overwhelmed by interest payments. Just remember to pay off your card each month, whenever possible. That intro period won't last forever!
  • Redeem your ThankYou® points for gift cards and more at thankyou.com
  • This card does charge foreign transaction fees, so it's probably not the best choice for a semester abroad.

Top Features

Rewards
Earn 2X Points on Dining Out & Entertainment. Earn 1X Points on All Other Purchases
Bonus Rewards
Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
Regular APR
16.49% - 26.49%* Variable 
Annual Fee
$0*

This card compared to other reward cards

Card Name
Citi ThankYou® Preferred Card for College Students
Rewards
Earn 2X Points on Dining Out & Entertainment. Earn 1X Points on All Other Purchases
1 % Cash Back on all purchases. 0.25 % Cash Back bonus on the cash back you earn each month you pay on time.
Bonus Rewards
Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
N/A
N/A
Regular APR
16.49% - 26.49%* Variable 
24.99% (Variable) 
23.90% Fixed 
Annual Fee
$0*
$0
$35 - $99 (Dependent on credit worthiness)
CardRatings.com Editorial Staff

Citi ThankYou® Preferred Card for College Students details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
APR:
N/A
Balance Transfer Fee:
4% of each balance transfer; $5 minimum.
Annual Fee:
$0*

What Citi says about this card

  • Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 16.49% - 26.49% based upon your creditworthiness*
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

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Apply online for Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
Credit Needed:
Average, Fair, Limited
Apply online for Milestone® Gold Mastercard®

Milestone® Gold Mastercard®

  • Quick pre-qualification available with no impact to your credit score
  • Protection from fraud, if your card happens to be lost or stolen
  • Choose your custom card design - Free
  • Free online account access
  • Easy pre-qualification process with fast response
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
Credit Needed:
Good/Fair