Citi ThankYou® Preferred Card

Apply by phone: 1-866-936-4537
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; 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
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com.
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*    
Annual Fee:
$0*
Purchase Intro APR:
0%*
(15 Months*)
Purchase Regular APR:
14.49% - 24.49%*
Variable
Balance Transfer Intro APR:
0%*
(15 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

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
lavanadams
Excellent starting CL
by lavanadams
Helpful to 10 out of 10

I was doing a bit of an AOR and got approved for this with a surprisingly high limit. High CL, No Annual Fee, and good rewards: 5 stars in my book.

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 20 out of 22

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% intro APR on both purchases and balance transfers for 15 months (then 14.49 to 24.49% variable APR). 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 April 2017 through September 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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