Citi ThankYou<sup>&reg;</sup> Preferred Card for College Students

Citi ThankYou® Preferred Card for College Students

Citi ThankYou® Preferred Card for College Students

Citi ThankYou<sup>&reg;</sup> Preferred Card for College Students

Citi ThankYou® Preferred Card for College Students

Card details

  • Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 16.49% - 26.49% based upon your creditworthiness*

  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening

  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com

  • 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

  • No annual fee*

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1 point per Dollar

  • Bonus offer

    Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening (This offer is no longer available on our site)

  • Intro APR

    0% on Purchases for 7 months

  • Ongoing APR

    APR: 16.49% - 26.49% Variable APR

    Penalty APR: Up to 29.99%, Variable

    Cash Advance APR: 27.24%, Variable

  • Balance transfer fee

    4% of each balance transfer; $5 minimum.

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

Citibank ThankYou Preferred Card for College Students Credit Card

Citi ThankYou® Preferred Card for College Students

Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

16.49% - 26.49% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% on Purchases for 7 months

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% on Balance Transfers for 18 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

NerdWallet review

By Ellen Cannon

Rating details

3.8

Editor's overall rating

Pros and cons

Pros
  • No annual fee

Cons

    NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money.

    Students who are credit newbies will find the Citi ThankYou® Preferred Card for College Students exposes them to common credit card features they'll need to learn about: It has an annual fee of $0. It has a rewards program that pays you 2 ThankYou points per dollar spent on dining, including fast food and bars, and entertainment, including concerts and movies. It pays you 1 point for all other spending. It offers a sign-up bonus: Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening (This offer is no longer available on our site) And its annual percentage rate isn’t as punishing as the interest rates on many cards for people with limited credit history: 0% on Purchases for 7 months, and then the ongoing APR of 16.49% - 26.49% Variable APR.

    You can redeem ThankYou points for cash, merchandise, gift cards, travel and more. You can also pay with points at Amazon.com.

    One drawback of this card for students who may be studying abroad is the 3% foreign transaction fee.

    For more information, check out the full review of the Citi ThankYou® Preferred Card for College Students.