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Earning and redeeming points is easy with this card. Every purchase earns you an equal number of points, with many opportunities to earn bonuses throughout the year, particularly within the affiliate store. Low introductory rates and no annual fee round out the simple, but great, benefits that this card can offer you.

Citi ThankYou Preferred Card
Intro APR  APR Annual Fee 
0%* 12.99% - 22.99% (V)* $0*
Unfortunately, we do not currently offer online application for this card. See similar cards

Basic Information

Issuer: CitiBank
Card Network: VISA®
Card Category: Consumer (Regular)
Card Type: - Low Interest Credit Card
- Reward Card
Credit Needed: Excellent*

Card Review

Prepared by . Opinions expressed therein are solely those of the reviewer.

Earning rewards points is easy with this card from Citibank: basically, spend $1 and get 1 point. There are also several ways to earn bonus points (paperless statements, online account access, etc.) which is great because you can start redeeming your points with just 100 points! You can redeem your points on things like travel arrangements, merchandise, or simply cash.

Saving money is pretty easy with this credit card too. That is because the introductory rate on balance transfer and standard purchases could be extremely low for the first 15 months of opening your account, if you qualify. While most of the standard processing fees still apply, you will also be happy to learn that this card does not have an annual fee.
Card rating:
(4.0 out of 5) total 172 votes
Most attractive features: - 0% intro rate
- Rewards program
- No annual fee
Least attractive features: - No bonus points

Rewards & Benefits

Reward Types: - Thank You Network Cards
- Universal Reward Cards
Reward Unit: Point
Rewards: - 2x Points on purchases for dining and entertainment
- 1 ThankYou Point for every $1 you spend on purchases
*Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
Expiration: None*
Yearly Limit: None*
Other Benefits: *See website for additional benefits.
Online Card Account Access:

Card Finance & Rates

Introductory APR (%): 0%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: 15 months*
Regular APR (%): 12.99% - 22.99%*
APR Type: variable
Annual Fee: $0*
Grace Period: 20 - 25 Days*
Minimum Credit Line: $500*
Late Payment Fee: $35.00*

Balance Transfers

Balance Transfer:
Transfer Fee (%): 3.00% of each balance transfer
Minimum BT Fee: $5.00

Cash Advances

APR on Cash Advances (%): 25.24%
Cash Advance Fee (%): 5.00%
Minimum Fee: $10.00


See website for complete terms and conditions of card usage and application disclosure.


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View Other Universal Reward Cards

* The information provided for Citi ThankYou® Preferred Card is believed to be accurate at the time of evaluation (Feb 13, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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