Citi ThankYou Card

From the CompareCards.com Editorial Team:

With a 0% interest rate on balance transfers and purchases for 15 months and no annual fee, the Citi ThankYou card is a great card even without its generous rewards program. But the ThankYou program is perhaps its best feature, letting you earn a straightforward one point per dollar spent on everything with no limits and no expiration dates. You earn free points each year just for carrying the card, and Citi offers exceptional customer service and a full menu of online features to help manage your finances.

When you spend at least $2,000 within the first three months of membership you’ll get 25,000 bonus points, worth $250. You also get up to 3% a year in bonus rewards, and can get extra bonus points for signing up for a convenient online account or for going green by enrolling in the paperless statement program. Customer service includes concierge services to help with such things as dining and shopping plans, and there is $0 liability for unauthorized charges – plus additional retail purchase and identity protection.

The Bottom-Line
The Citi ThankYou Card, as its name suggests, is a rewards credit card that allows cardholders to earn one point for every dollar spent on all purchases. This card is slightly different because it offers 0% apr whereas similar reward products don't.

The Good
There is a 0% APR for 15 months, which is longer than most offers that only last a year. Plus it applies to both purchases and balance transfers. The card also has no annual fee, you earn one point per dollar with no restrictions, and you earn automatic loyalty points every year on the anniversary of your membership.

The Not So Good
You’ll need excellent credit to qualify.