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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
Regular APR
15.49% - 25.49%* 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 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.
This page was last updated on November 28, 2018

This card compared to other travel rewards cards

Card Name
Citi ThankYou® Preferred Card
Rewards
Earn 2X Points on Dining Out & Entertainment. Earn 1X Points on All Other Purchases
Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
Bonus Rewards
N/A
Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
Regular APR
15.49% - 25.49%* Variable 
18.24% - 25.24% Variable 
18.24% - 25.24% Variable 
Annual Fee
$0*
$95
$95
CardRatings.com Editorial Staff

Citi ThankYou® Preferred Card details

Balance Transfer Intro APR:
0% 15 months on Balance Transfers*
Balance Transfer Intro Period:
APR:
15 months
Balance Transfer Fee:
3% of each balance transfer; $5 minimum.
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 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*

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Apply online for The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

  • Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Credit Needed:
Excellent, Good
Apply online for United℠ Explorer Card

United℠ Explorer Card

  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✔® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Credit Needed:
Excellent, Good