Citi ThankYou® Preferred Card

Apply by phone: 1-866-936-4537
  • 0% Intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases
  • Points earned with this card do not expire and there is no limit to the amount of points you can earn 
  • 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:
$0*
Purchase Intro APR:
0%*
(15 Months*)
Purchase Regular APR:
13.24% - 23.24%*
Variable
Balance Transfer Intro APR:
0%*
(15 Months*)
Balance Transfer Regular APR:
13.24% - 23.24%*
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 25.49%
Cash Advance Fee 5%, Min: $10
Late Fee Up to $35
Penalty APR Up to 29.99%
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $35

Rewards

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 and 1 ThankYou Point on other purchases

Entertainment

2 points per dollar

2 ThankYou Points per dollar spent on 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
lbnatali
Goal Met
by lbnatali
Helpful to 31 out of 35

Weird I know, but one of my credit repair goals was getting this card.  I'd been banking with Citibank for many years, but they always denied my credit applications.  It sort of became an obsession to get approved and to 'prove' something to myself.  Following the advice of CK users I was able to bump my credit up to near 800 (from 608 when I started) and now my goal has been reached.  Got instant approval on their site for the best interest rate, 12.99 percent with a credit limit of 7600.00.  I'm excited.

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
Anonymous
by Anonymous
Helpful to 3 out of 3

Was invited to apply for this card directly through Citi because I have the diamond preferred cared. Was denied. Can't get anyone to talk to about this. Added another hit on my credit report. I would have never applied had it not been for the invite.  


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 15 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 June 2016 through November 2016. 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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