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Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card

 

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Your Rating:

4.0/5.0 from 7 Offer Ratings
Over the Past 60 Days!

(7) Over the Past 60 Days!

  • Regular Purchase APR 14.24% - 24.24%* (Variable)
  • Intro Purchase APR 0%* for 12 Months
  • Intro BT APR 0%* for 12 Months
  • Annual Fees $0*
  • Credit Needed

    Excellent

  • Card Brand Mastercard®

Card Details

Highlights

  • Click "APPLY NOW" to apply online or call 866-934-2929 TTY: Use Relay Service
  • Earn 15,000 bonus points after $1,000 in purchases made with your card in the first 3 months the account is open.*
  • 0% intro APR on Purchases and Balance Transfers for 12 months.  After that, the variable APR will be 14.24% - 24.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.* 
  • 2 ThankYou® Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou® Point on other purchases 
  • Points earned with this card do not expire and there is no limit to the amount of points you can earn. 
  • Redeem ThankYou Points for merchandise, travel rewards and gift cards.
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

Card Fees

Late Payment Fees Up to $35

Foreign Transaction Fee 3% of each purchase transaction in US dollars

Balance Transfer Fee Either $5 or 3%, whichever is greater

Cash Advance Fee $10 or 5%, whichever is greater

Returned Payment Fee Up to $35

Penalty APR Up to 29.99%, based on your credit­worthiness

Minimum Interest Charge $0.50

Ongoing Information

Rewards Cap No Cap

Rewards Rate 2 ThankYou Points per dollar spent on dining and entertainment and 1 ThankYou Point on other purchases

Annual Fee $0*

Grace Period 23 Days

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance No

Flight Accident Insurance Yes

Lost Luggage Reimbursement No

Concierge Service Yes

Expert Reviews

From the CompareCards.com Editorial Team

The Citi ThankYou Preferred credit card, from our partner Citi, is a rewards card with lots of different ways to earn bonus points and perks, with no limit to the amount of points you earn. Citibank does advertise its products on CompareCards. There is no annual fee with this credit card, and in addition to the generous rewards, it comes with 0% APR for 12 months on purchases and balance transfers. After the intro period is up, the ongoing APR will be 14.24% - 24.24%* (Variable) based on your creditworthiness.

You can earn a nice sign up bonus of 15,000 points after you spend $1,000 with the card in the first 3 months. For ongoing rewards, cardholders earn 2 ThankYou Points for every dollar spent with the card on dining and entertainment, and 1 ThankYou Point per dollar on all other purchases. Your points will never expire and you can redeem your ThankYou Points for cash, travel, gift cards, and much more. 

Expert Reviews of the Citi ThankYou® Preferred Card

  • 3.0

    Regular APR

  • 4.0

    Intro APR

  • 5.0

    Fees

  • 4.0

    Benefits

  • star rating 4.0/5

    Overall Rating

The Bottom Line

This is a solid rewards card that also comes with a nice sign up bonus, a long intro APR and no annual fee. If you spend a lot in the bonus categories, then this card can be very rewarding.

The Good

This is one of the only rewards credit cards that offers bonus points for entertainment purchases. Also, there is no limit to the amount of points you can earn and you never have to worry about points expiring.

The Not so Good

For everything outside of dining and entertainment, you'll only earn 1x rewards points.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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Offer Rating

4.0/5.0

7 Total Ratings

5 Star
 
 
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(5)
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Your Rating

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+4 users submitted a rating without a full review

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25 Found this review helpful

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By: | Feb 22, 2016

This has replaced my Chase Freedom card as my go-to card. It's got a lower APR, no cap on rewards, a 0% fraud liability, and I get my FICO credit score. I also like the online User Interface. Easy to use.

32 Found this review helpful

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By: | Oct 7, 2014

The rewards on this card are great--especially for new members who can use their points for up to $200 back.

35 Found this review helpful

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By: | Oct 7, 2014

This is a pretty good card. It has a good rate. It was easy to apply for and get approved. I liked the sign up bonus points. They arrived in a timely manner and were easy to cash in. I think the only thing I didn't like was that you can't just get straight cash back. You have to order a prepaid visa which is way more points than getting a gift card to somewhere. I think I could get a statement credit, but again it was a lot more points. There are other cards out there with better rewards if it is rewards you are looking for. But besides rewards, the customer service is good, protection is good. Rates are par with every other cards out there. So, I would recommend this card.

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