Citi ThankYou® Preferred Card for College Students

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  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*    
Annual Fee:
$0*
Purchase Intro APR:
0%*
(7 Months)
Purchase Regular APR:
15.74% - 25.74%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
15.74% - 25.74%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 26.49%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee Up to $35
Penalty APR Up to 29.99%* Variable
Balance Transfer Fee 4%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $35

Rewards

Welcome Bonus

Earn 2,500 points after you spend $500 in the first 3 months.

All Purchases

1 point per dollar

No cap on spending

Restaurants

2 points per dollar

2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment and 1 ThankYou® Point on other purchases.

Entertainment

2 points per dollar

2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment and 1 ThankYou® Point on other purchases.


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
Saved my Life
by Anonymous
Helpful to 30 out of 31

I was looking for a loan to help pay form my dorm but, I was not eligible due to my lack of credit history. I was a member of citibank for 3 years holding a checking and savings a account with them. I applied through a branch near me and was approved for 2000.00. minumum payment 25.00. I was told my credit was a 670 at the time. Very reliable card. I maxed out the card to pay for my dorm but, quickly paid it back after a month waiting for my student loan. They then increased my limit to 3,000 after having the card for six months. I use the card now for living expenses and any emergencies and I almost maxed it out again. Because my balance was so high the monthly payments were at 67.00 per month. I recently just paid off the balance and they increased my lmit to 4500.00. I love this card. It has helped me build my credit and got me through the school year. Paying off my balance increased my score to 704 -Transunion, 727 EQUIFAX. Only bad thing about the card is the high interest rate.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
Anonymous
Saved my Life
by Anonymous
Helpful to 30 out of 31

I was looking for a loan to help pay form my dorm but, I was not eligible due to my lack of credit history. I was a member of citibank for 3 years holding a checking and savings a account with them. I applied through a branch near me and was approved for 2000.00. minumum payment 25.00. I was told my credit was a 670 at the time. Very reliable card. I maxed out the card to pay for my dorm but, quickly paid it back after a month waiting for my student loan. They then increased my limit to 3,000 after having the card for six months. I use the card now for living expenses and any emergencies and I almost maxed it out again. Because my balance was so high the monthly payments were at 67.00 per month. I recently just paid off the balance and they increased my lmit to 4500.00. I love this card. It has helped me build my credit and got me through the school year. Paying off my balance increased my score to 704 -Transunion, 727 EQUIFAX. Only bad thing about the card is the high interest rate.


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from July 2017 through December 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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