Citi ThankYou® Preferred Card
Citi ThankYou® 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% intro APR 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
 Citi ThankYou® Preferred Card | ||
|---|---|---|
| Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR15.49%-25.49% Variable APR | Regular APRSee Terms | |
Intro APR0% intro APR on Purchases and Balance Transfers for 15 months | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%, 25.24%, or 29.99%. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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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
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.
