Card details
- Earn 30,000 bonus ThankYou® Points after $2,000 in card purchases within 4 months of account opening — redeemable for $300 in gift cards or other great rewards!
- 2 ThankYou Points per dollar spent on dining at restaurants 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*
APR, Variable
Min APR: 13.74%, Variable
Max APR: 23.74%, Variable
Penalty APR: Up to 30.74%, Variable
Cash Advance APR: 25.99%, Variable
Pros
- No annual fee
Cons
- Needs excellent credit
Bonus offer
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.
Rewards rate
1 point per Dollar
Annual fee
$0*
Intro APR
N/A
Nerdwallet Review
Author: Anisha Sekar
Verdict: There are bigger and better cards out there. Even with the decent signup bonus, other credit cards provide far more value.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card starts off strong: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®. You can redeem your points as a statement credit at full value, but if you redeem for travel booked through Chase, your points are worth 25% more. As for ongoing rewards, you get 2 points per $1 on travel and dining, and 1 per $1 elsewhere. Your rewards rate can be 2.50% on travel and dining and 1.25% elsewhere when you redeem for travel. It has an $0 for the first year, then $95.
Barclaycard Arrival Plus™ World Elite MasterCard®
The Barclaycard Arrival Plus™ World Elite MasterCard® gives a strong signup bonus: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit. Past that, it earns 2 miles on every dollar spent, giving it a 2% earnings rate. You can redeem your miles as a statement credit at full value, and you'll get 5% of the miles back every time you redeem. Its annual fee is $0 for the first year, then $89.
Verdict: There are bigger and better cards out there. Even with the decent signup bonus, other credit cards provide far more value.
Thank You Points
The Citi ThankYou® Preferred Card — Earn 30,000 Bonus Points has an OK rewards program, giving just 1 ThankYou Point per $1 spent. It does offer 2x points on dining and entertainment, but there are cards out there that offer a better rewards program. Plus, Citi ThankYou Points can be redeemed for gift cards, statement credits, mortgage/student loan payments, or merchandise. Typically, only gift cards will give you the full one-cent-per-point value.Alternatives to the Citi ThankYou® Preferred Card — Earn 30,000 Bonus Points
In both signup bonus and ongoing rewards, you can do better than the Citi ThankYou® Preferred Card — Earn 30,000 Bonus Points - especially if you travel. Here are a few options:Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card starts off strong: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®. You can redeem your points as a statement credit at full value, but if you redeem for travel booked through Chase, your points are worth 25% more. As for ongoing rewards, you get 2 points per $1 on travel and dining, and 1 per $1 elsewhere. Your rewards rate can be 2.50% on travel and dining and 1.25% elsewhere when you redeem for travel. It has an $0 for the first year, then $95.
Barclaycard Arrival Plus™ World Elite MasterCard®
The Barclaycard Arrival Plus™ World Elite MasterCard® gives a strong signup bonus: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit. Past that, it earns 2 miles on every dollar spent, giving it a 2% earnings rate. You can redeem your miles as a statement credit at full value, and you'll get 5% of the miles back every time you redeem. Its annual fee is $0 for the first year, then $89.
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