Citi ThankYou<sup>&reg;</sup> Preferred Card

Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card

Citi ThankYou<sup>&reg;</sup> Preferred Card

Citi ThankYou® Preferred Card

Card details

  • 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 15.49% - 25.49% 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*

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1 point per Dollar

  • Bonus offer

    None

  • Intro APR

    0% on Purchases and Balance Transfers for 15 months

  • Ongoing APR

    APR: 15.49% - 25.49% Variable APR

    Penalty APR: Up to 29.99%, Variable

    Cash Advance APR: 27.24%, Variable

  • Balance transfer fee

    3% of each balance transfer; $5 minimum.

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

Citibank ThankYou Preferred Credit Card

Citi ThankYou® Preferred Card

Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

15.49% - 25.49% 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 and Balance Transfers for 15 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

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NerdWallet review

By Chanelle Bessette

Rating details

3

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

Cons
  • Needs excellent credit

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.

The Citi ThankYou® Preferred Card is designed to appeal to daters, diners and folks looking for thrills out on the town.

It earns double rewards on restaurants and entertainment, and its definition of entertainment is broad. With an annual fee of $0, the card can be a decent choice for social butterflies.

But dining and entertainment have become super-competitive categories in recent years, so even if those are your biggest spending areas, you can find many cards that offer higher rewards rates in those categories.

Plus, if you’re looking for the perks of a sign-up bonus or cash back, you’ll want to research other options

For more information, check out our full review.