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Citi ThankYou Preferred
Citi ThankYou Preferred
4.5 / 5
4.5/5

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Welcome Offer

0% Interest for 15 Months

Enjoy 0% Interest for 15 months on Balance transfers and purchases
2x
ThankYou Points

Earn 2 ThankYou Points per dollar spent when dining out and on entertainment

1x
ThankYou Points

Earn 1 ThankYou Point per dollar spent on all other purchases

$0
Annual Fee

No annual fee for this card

0%
APR on Balance Transfers

No APR on balance transfers for the first 9 months

    If you’re looking for a card that straddles the line between balance transfer offers and opportunities to rack up rewards that can be used for travel or lifestyle purchases, the Citi ThankYou Preferred card might be the right choice. We like this card because it offers the fun of a rewards card without the spending requirements associated with luxury card annual fees, and it also comes with a generous 15-month introductory APR offer. You can manage your money better and earn a few fun rewards along the way. 

    I have been a Citi Preferred Thank You, card user, for the last 2 years. I first got it because of its offer to earn 20,000 points and that was enough to get me interested in taking advantage – plus my Bank Of America Amex didn’t seem too rewarding at times so I wanted something with a better return on investment potential even if it did come with added fees (such as annual fee). And now after plenty of time using this credit card wisely like any good bank account holder should do; here’s how things are looking: With what little spending goes down every day around lunchtime when bills don’t need paying…I’ve managed not only ample rewards

    Are you looking for funding to launch or start a new business?

    Since 2015, we have funded over $200 Million for businesses across the United States

    Recommended credit score to apply for this card:

    Excellent (750-799)

    Pros

    • No Annual Fee

    • 0% APR On Balance Transfers and Purchases

    • 2x ThankYou Points Dining Out

    • 1x ThankYou Points On Everything Else

    Cons

    • Strict Approval Requirements

    Annual Fee $0
    Intro Purchase APR 0% Interest for 15 months
    Intro Balance Transfer APR 0% Interest for 15 months
    Regular APR 15.24% to 25.49%
    Great for Shopping, Dining, Gas
    Regular Purchase APR 15.24% to 25.49%
    Regular Balance Transfer APR 15.24% to 25.49%
    Cash Advance APR 27.24%
    Balance Transfer Fee $5 or 3%
    Cash Advance Fee $10 or 5%
    Foreign Transaction Fee 3%