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% 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 | ||
|---|---|---|
Annual Fee$0 | Annual Fee$95 | Annual Fee$95 |
Regular APR15.49% - 25.49% Variable APR | Regular APR15.99% - 22.99% Variable APR | |
Intro APR0% on Purchases and Balance Transfers for 15 months | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Just tell us some details and see which card matches your needs most.
Just tell us some details and see which card matches your needs most.
NerdWallet review
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.
