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Citi ThankYou® Preferred Card Review

Excellent

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What Citi says about this card

This card is no longer available.
  • 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 15.49% - 25.49% 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
  • 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*

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 (then, 15.49% - 25.49%* Variable). You can redeem ThankYou® Points for merchandise, travel rewards and gift cards. Downside: There can be a high APR for less creditworthy applicants.

Top Features

Rewards Bonus Rewards Annual Fee
Earn 2X Points on Dining Out & Entertainment. Earn 1X Points on All Other Purchases N/A $0*

CardRatings Editor's Analysis: 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.

Citi ThankYou® Preferred Card compared to other travel rewards cards

Card Name
Rewards
Bonus Rewards
Annual Fee
Ratings/Apply
Citi ThankYou® Preferred Card
This card is no longer available.
Earn 2X Points on Dining Out & Entertainment. Earn 1X Points on All Other Purchases
N/A
$0*
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Earn 1 AAdvantage® mile per $1 spent on other purchases.
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
$99, waived for first 12 months
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
$99, waived for first 12 months
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
$550
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.
$0

Credit Card Consumer Reviews:

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