Citi ThankYou® Preferred Card Review

Our Detailed Review of This Card

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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, 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% intro 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 15 month 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.


  • No expiration and no limit on the points you can earn.
  • Earn 2 ThankYou® points for every $1 spent on dining and at select entertainment merchants.
  • Earn 1 ThankYou® 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% for 15 months, then 15.49% - 25.49%* (Variable).
  • Balance Transfer APR: 0% for 15 months, then 15.49% - 25.49%* (Variable).
  • Balance Transfer Fee: 3% of each balance transfer; $5 minimum.
  • *Additional details can be found on the Citi landing page.

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