Citi ThankYou® Premier Card

Apply by phone: 1-800-817-2054
  • Earn 30,000 bonus points after spending $3,000 in purchases within the first 3 months of account opening*
  • 30,000 ThankYou® Points are redeemable for $375 in airfare on any airline, anytime with no blackout dates or $300 in gift cards
  • Earn 3X Points on Travel, Including Gas Stations
  • 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
  • Points Transfer allows you to transfer points to participating airline and hotel loyalty programs
  • No Foreign Transaction Fees on purchases
Annual Fee:
$0 intro, $95 after first year
Purchase Intro APR:
N/A
Purchase Regular APR:
15.49% - 24.49%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
15.49% - 24.49%*
Variable

Details, Rates & Fees

Click here for Additional Details

(Will launch in a new browser window)

* 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 None
Return Payment Fee Up to $35

Rewards

Sign-Up Bonus

Earn 30,000 points after you spend $3,000 in 3 months.

All Purchases

1 point per dollar

No cap on spending

Gas

3 points per dollar

Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases

Restaurants

2 points per dollar

Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases

Entertainment

2 points per dollar

Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points 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
payitforward74
by payitforward74
Helpful to 15 out of 17

This card doesn't have a low interest rate and no intro APR, but I applied because they are currently offering 30,000 ThankYou points if you spend $2,000 within the first 3 months of opening the account. It also has a $125 annual fee, but it is waived for the first year.  I was approved immediately for $5900, at the highest APR. I expected a lower APR.  It did provide my Experian credit score which was 737. The high APR, annual fee, and lack of intro or transfer APR is the reason I'm only giving this 4 stars. 

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
cfog83
Great Card - Terrible Rewards
by cfog83
Helpful to 37 out of 42

We got this card because there were several rewards point bonuses for signing up.  After six months use, we realized that the points were somewhat worthless.  After browsing the reward market for hours trying to pick out christmas gifts, we gave up, there just isn't a great selection.   Luckily there was an option to use the points as cash at Amazon.com.  That is what we did.  This would have been great except we only got $180 in cash from our points.  We switched from this card to a Capital One 1.5% cash back card.  After six months with it we had over $400 in cash back.  I definitely felt cheated by the Citi Rewards.


Our Take

If you’re looking for credit card rewards, the Citi ThankYou® Premier Card is a pretty appealing option.

What to Like

There are a lot of ways to earn rewards here. Spending $3,000 in purchases in the first 3 months can net cardholders 30,000 bonus points. Cardholders can also get 3x points on travel purchases, including gas, and 2x points on dining out and entertainment purchases. The Citi ThankYou® Premier Card also comes with no foreign transaction fee.

Look Out For

There’s a $95 annual fee, though it is waived for the first 12 months. There’s also no intro APR on purchases or balance transfers.

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 December 2016 through May 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.

My Saved Cards
Title
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.