Citi ThankYou® Preferred Rewards Card

Sorry, this offer is no longer available on Credit Karma.
  • Earn up to 30,000 bonus ThankYou Points after qualifying purchases - redeem for $300 in gift cards or other great rewards
  • Earn 20,000 bonus points after $1500 in purchases within the first 3 months of account opening, plus another 10,000 points after $1500 in purchases within the next 3 months
  • 0% intro APR on Balance Transfers and Purchases for 7 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • NEW: 2x Points on purchases for dining and entertainment
  • 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Annual Fee:
Purchase Intro APR:
(7 Months)
Purchase Regular APR:
12.99% – 22.99%*
Balance Transfer Intro APR:
(7 Months)
Balance Transfer Regular APR:
12.99% – 22.99%*

Details, Rates & Fees

Click here for Additional Details

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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 25.24%
Cash Advance Fee 5%, Min: $10
Late Fee Up to $35
Penalty APR See Terms
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee See Terms


Sign-Up Bonus

Earn 30,000 points

All Purchases

1 point per dollar

No cap on spending

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
by mrfowler
Helpful to 3 out of 3

Approved for 30,000 limit with CK of 760 with an income of 86,000 and other (rental) income of 51,000.

I had been getting mail for this card advertising 0% interest for 18 months, so I looked up reviews on here and applied.  When I got my card I found I didn't have the 0% rate because I didn't enter the "invitation number" in the mail I got in the online application.  

I called Citi thinking I would be out of luck and stuck with 16.99%, but within a few days they corrected the problem.  The customer service lady assigned to me called me back every couple of days to keep me updated on the status of my request for the 0% offer, which was very pleasant coming from an industry I've come to not expect much from.

The rewards look excellent, and the customer service was stellar too.  Highly reccommended!

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 Negative Review
by beejay93
Helpful to 6 out of 6

Responded to e-mail asking me to apply.  They are offering 18 months 0% of purchases.  (And points of some interest, but I note that a point is not a penny, so I'll need to consider when 0% interest is worth less than "standard" rewards.)

CK 778, Experian 722.  Instant OK for $5000 credit limit. (I have two other CitiBank cards...$6800, $7300.)

"Dinged" for high utilization (22%), no installment loans, recent other credit card acquired (within last month) and too many credit report inquiries in last year.  But I'm not particularly unhappy with $5k.




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‡ 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 November 2016 through April 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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