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Citi ThankYou® Preferred Rewards Card

Offered by: CitiBank

Citi ThankYou® Preferred Rewards Card

  • 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*

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
N/A
Typical Low: N/A
Typical High: N/A
7 Months   7 Months  

0%

12.99% – 22.99%*

0%

12.99% – 22.99%*

 

Variable

 

Variable

* 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.

Offer Details:

Cash Advance Rate

25.24%

Annual Fee

$0* *

Late Fee

Up to $35

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

3%, Min: $5

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

‑$527

$0

$0

Interest Savings on Transferred Balance

$3,269

$1,886

$1,247

Interest Savings on New Purchases

$1,248

$2,193

$4,341

Value of Rewards on New Purchases

$456

$456

$456

Value of Bonus Points

$300

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$4,746

$4,535

$6,044

Total Savings over 3 Years

$15,326

Credit Card Usage Profile

Transfer a Balance
Edit
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0* *
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

1. Receive 15,000 bonus ThankYou® Points after $1,000 in purchases within 3 months of account opening

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders of This Card

Citi ThankYou® Preferred Rewards Card Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!


35 Cardholder 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 Recent Reviews

Aweomse Approval

Applied online and was given the message to call for further verification. So i called in right away spoke a sweet lady she ask me some basic questions and had to call me back in a fews mins to my home phone waited for the call back and she called and informed me i was approved for a 4500 cl. awesome sauce. just finished paying off my home so now i find it that i can afford credit cards. TU= 746 EX= 720 Exp=716 just got a a Bank of america Rewards card for 2500, Barclay Visa for 2000, and the Discover It for 3000. i think this all the credit i need to get me up in the 800's

linda112233's response was:    

 
Mar 17, 2015

bstclare(7, 16)

approved Helpful to 1 out of 1 people

but with only a limit of $1000. I guess it's because I have a pretty low experian score 660 and just recently applied for a Capital One card. I had wanted the card for a balance transfer, but I wont be able to do one with this card. I feel like i took the inquiry for nothing.

bstclare's response was:    

 
Aug 12, 2014
???

My credit score is 717 and I have no debt. I was approved for every other credit card I wanted to get. But I wasn't approved for Citi ThankYou Preferred Card. Weird...

Jul 29, 2014
Citi thankyou preferred card

Just got approved for cl of 6,000 .. I canceled my green amex... The membership fee is too much! Not worth having it

Nov 21, 2013

Kibarrow(1, 0)

Citi Thankyou Preferred Amex

Switched to the Amex flavor. Was unaware they had Amex in addition visa/MC. 

Kibarrow's response was:    

 
Nov 06, 2013

See all 35 Reviews of Citi ThankYou® Preferred Rewards Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ 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 February 2015 through July 2015. 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.