Citi ThankYou® Preferred Card

Apply by phone: 1-866-936-4537
  • Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*
  • 15,000 ThankYou® Points are redeemable for $150 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • 0% intro APR on Purchases and Balance Transfers for 12 months. After that, the variable APR will be 14.49% - 24.49% 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 
  • 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%*
(12 Months*)
Purchase Regular APR:
14.49% - 24.49%*
Variable
Balance Transfer Intro APR:
0%*
(12 Months*)
Balance Transfer Regular APR:
14.49% - 24.49%*
Variable

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 26.24%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee Up to $35
Penalty APR Up to 29.99%* Variable
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $35

Rewards

Sign-Up Bonus

Earn 15,000 points after you spend $1,000 in 3 months.

All Purchases

1 point per dollar

No cap on spending

Restaurants

2 points per dollar

2 ThankYou Points per dollar spent on dining at restaurants and entertainment

Entertainment

2 points per dollar

2 ThankYou Points per dollar spent on dining at restaurants and entertainment


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
burritomen
Decent rewards and good customer service
by burritomen
Helpful to 15 out of 18

Pretty good card with decent rewards. No annual fee. I use it for restaurants mostly and eat out pretty often. The customer service is pretty good and not in the Phillipines. I would definitely consider a second card from them.

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
00smiley
ThankYou Points are the worst
by 00smiley
Helpful to 11 out of 12

For the ThankYou Preferred, you cannot transfer points to airlines. This is not clearly stated anywhere, while the other Thankyou cards can do this. Waste of time having this card, it is horrible. There are many better options available. 


Our Take

The Citi ThankYou® Preferred Card offers a solid combination of rewards and balance transfer opportunities.

What to Like

Cardholders pay 0% APR on both purchases and balance transfers for 12 months. They also earn 2 ThankYou Points per dollar spent at restaurants and on entertainment and pay no annual fee.

Look Out For

Cardholders pay a balance transfer fee. There's also a foreign transaction fee and a high penalty APR that could apply if you miss a payment.

Similar Offers

† 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 February 2017 through July 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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