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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

  • Take advantage of 0 percent intro APR for purchases and balance transfers for 15 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

Rewards
Earn 2X Points on Dining Out & Entertainment. Earn 1X Points on All Other Purchases
Bonus Rewards
N/A
Purchase APR
14.74% - 24.74%* (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 15 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 December 19, 2017

This card compared to other travel rewards cards

Rewards
Earn 2X Points on Dining Out & Entertainment. Earn 1X Points on All Other Purchases
2 Miles per dollar on every purchase, every day.
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Bonus Rewards
N/A
50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
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®
Purchase APR
14.74% - 24.74%* (Variable)
14.24% - 24.24% (Variable) 
17.24% - 24.24% Variable 
Annual Fee
$0*
$0 intro for first year; $95 after that
$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

Balance Transfer Intro APR
0%*
Balance Transfer Intro Period
15 months
Purchase Intro
APR:
0%*
Period:
15 months
Purchase APR
14.74% - 24.74%* (Variable)
Annual Fee
$0*

What Citi says about this card

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.74% - 24.74% 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
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

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  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
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Credit Needed:
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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®
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Credit Needed:
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