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Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card


Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 29 Offer Ratings
Over the Past 60 Days!

(29) Over the Past 60 Days!

  • Regular Purchase APR 15.49% - 25.49%* (Variable)
  • Intro Purchase APR 0% for 15 Months on purchases*
  • Intro BT APR 0% for 15 Months on balance transfers*
  • Annual Fee $0*
  • Credit Needed


  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online
  • 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
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

Card Fees

Foreign Transaction Fee 3%

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

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

Penalty APR Up to 29.99% (Variable)

Ongoing Information

Rewards Rate Earn 2X Points on Dining Out & Entertainment and Earn 1X Points on All Other Purchases

Annual Fee $0*

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 Editorial Team

The Citi ThankYou® Preferred 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 15 months on purchases and balance transfers. After that, the variable APR will be 15.49% - 25.49%* (Variable) based upon your creditworthiness*.

For ongoing rewards, cardholders earn 2x points on dining out & entertainment and earn 1x points 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


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

This is a solid rewards card that also comes with nice bonus points, 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


29 Total Ratings

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+26 users submitted a rating without a full review

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78 Found this review helpful

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.

85 Found this review helpful

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.

89 Found this review helpful

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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