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

  • No expiration and no limit to the amount of points you can earn with this card

  • No annual fee*

Rates, fees & offers

  • Annual fee


  • Rewards rate

    1 point per Dollar

  • Bonus offer


  • 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


Recommended credit score

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NerdWallet review

By Chanelle Bessette

Rating details


Editor's overall rating

Pros and cons

  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

  • 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.

User Reviews

Rating Details

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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