Citi ThankYou® Preferred Card Citi ThankYou<sup>®</sup> Preferred Card
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Citi ThankYou® Preferred Card Review

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Rating:
Bottom Line:
Earn rewards to spend on cash, travel and more; 15-month 0% intro APR on purchases and balance transfers

Full Review:
The Citi ThankYou® Preferred Card (a NextAdvisor advertiser) is a good choice for anyone looking for a card with no annual fee that earns flexible reward points and offers a lengthy 0% intro APR.

To start, Citi ThankYou® Preferred Card users will earn unlimited ongoing rewards of 2 points for every dollar spent on dining and entertainment, like movie tickets, sporting events, amusement parks and live performances. All other purchases will earn 1 point per dollar spent. You can redeem your earned points for travel, gift cards, merchandise, cash or a statement credit. You can also use your points to shop on Amazon.com, or transfer them for free to other airline and hotel loyalty programs. Additionally, Citi ThankYou® Preferred Card includes Citi Private Pass, which gives you special access to buy tickets to music, sports, theater and dining events.

For those looking to move their high-APR card balances over to another card, you're in luck. The Citi ThankYou® Preferred Card offers a 15-month, 0% APR on balance transfers. There is a 3% balance transfer fee, but this is pretty standard and even with the fee you'll likely end up saving money on interest fees due to the year-long 0% intro APR. You can also take advantage of a 15-month 0% intro APR on purchases to make any small or large purchase you'd like and pay no interest fees for a whole year.

Overall, if you're in the market for a general-purpose card with a 0% intro APR on balance transfers and purchases as well as the opportunity to earn flexible rewards, the Citi ThankYou® Preferred Card may work for you. Or you could consider a card like the Wells Fargo Cash Wise Visa Card, which has a 12-month 0% intro APR on balance transfers and purchases and will earn you a standard 1.5% cash back on all purchases.

Highlights From Citi
  • 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 14.49% - 24.49%  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*

Rewards
  • No expiration and no limit on the points you can earn.
  • Earn 2 points for every $1 spent on dining and at select entertainment merchants.
  • Earn 1 point for every $1 spent on all other purchases.

Redeem Rewards
  • Redeem ThankYou points for a large selection of items, ranging from travel and gift cards to cash.
  • Minimum redemption is 100 ThankYou points.

Fees and APR
  • Annual Fee: $0*
  • Foreign Transaction Fee: 3% of purchase amount.
  • Purchase APR: 0%* intro on purchases APR for 15 months on Purchases, then 14.49% - 24.49%* (Variable).
  • Balance Transfer APR: 0%* for 15 months on Balance Transfers, then 14.49% - 24.49%* (Variable).
  • Balance Transfer Fee: 3% of each balance transfer; $5 minimum.
  • *Additional details can be found on the Citi landing page.


Apply for a Citi ThankYou® Preferred Card

This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

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Card Details

Features:2 points per $1 spent on dining and entertainment; 1 point per $1 spent on all other purchases
Purchase APR:0%* intro on purchases for 15 months on Purchases, then 14.49% - 24.49%* (Variable)
Balance Transfer APR:0%* for 15 months on Balance Transfers, then 14.49% - 24.49%* (Variable)
Annual Fee:$0*
Credit Needed:Excellent

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